1. settle the foreign debt owed.
When applying for a mortgage, you can first settle other foreign debts and control the debt ratio at a relatively benign level, so that when applying for a mortgage, you can minimize the adverse effects brought by credit reporting.
2. Don't borrow money for credit investigation in the short term. The reason is that there are many loan records of lending institutions in the short term, leaving a lot of information for credit investigation. When applying for a mortgage, the bank will feel that its financial strength is relatively poor, so you can apply for a mortgage without applying for an online loan for half a year to maintain your credit information.
3. Increase the down payment ratio.
You can increase the down payment ratio as much as possible under the premise of your own economic strength, which can reduce your dependence on the mortgage amount. Banks don't have to delegate too many loans, so naturally they won't have too many concerns, which can improve the mortgage pass rate.
4. find someone to guarantee.
Consumer credit information will make banks feel uneasy and think that their comprehensive qualifications are poor. Therefore, in this case, you can find some qualified third parties to guarantee loans for yourself, which can reduce the concerns of banks and reduce the impact of consumer credit reporting.
5. Change the main lender.
If both husband and wife apply for a loan, the one with better credit information can be the main lender, which can also reduce the influence of credit information.
6. Change the loan bank.
Different banks have different requirements for qualifications. Some banks are strictly audited and need to meet the requirements in all aspects. But some banks may relax their requirements in some aspects in order to win more. Therefore, looking for loans from these banks can also avoid the adverse effects caused by changes in credit information.
7. Raise the income level.
After credit reporting becomes a flower, banks will worry about future debt pressure. In fact, they are still worried that they don't have enough repayment ability, so they can find ways to improve their income level and let banks see their repayment ability.
8. Provide more mortgage loans.
More collateral can be provided to banks, so that the rights and interests of banks can be fully guaranteed, and the adverse effects caused by the cost of credit investigation can also be reduced.
9. Provide more financial proof.
For example, you can show your savings, financial management and some asset information to the bank to prove that you have enough financial resources to alleviate the bank's concerns.
10. Keep a good repayment record.
It doesn't mean that the credit is tainted. It is necessary to make a good repayment record and try to avoid leaving a record of non-performing loans on the credit.
It can be seen that it is not impossible to buy a house after consumer credit reporting. You can apply for a mortgage from the above points according to your actual situation.
If there are too many loans, it is recommended to know your credit data well. Looking for "Zhiyi Big Data" to generate a big data report can reflect the real situation of online lending. Although there are differences between the two, bank loans will also pay attention to the credit situation of big data to avoid the situation that individuals cannot repay bad debts. Bad credit will affect many rights.
Extended data:
Will the mortgage be sued by the bank if it is overdue for one year?
If the mortgage is overdue for one year, it will be sued by the bank. Under normal circumstances, when the loan is not repaid on time for three consecutive months or six times, the bank has the right to terminate the mortgage contract in advance and demand early repayment. If the mortgage is not repaid according to the requirements of the bank, the bank will sue and dispose of the collateral as required.
Therefore, the consequences of overdue mortgage for one year are more serious. You must repay the mortgage in time before the repayment date expires. There is no grace period for mortgage repayment. If it is overdue for one day, you will bear the corresponding overdue responsibility, which will affect the credit investigation and will be counted as penalty interest.
If you feel that there is pressure to repay the mortgage, you can apply to the bank to postpone the loan repayment, but you need to provide some supporting materials according to the requirements of the bank, and you can postpone the mortgage repayment after the bank approves it.
In order to ensure that you don't have overdue behavior, be prepared to repay on time before the repayment date expires, and consider your economic strength before applying for a mortgage.