Parents generally don't check their children's credit information when they borrow money to buy a house. The premise is that parents should not be too old, and it is not easy to deal with them over 55 years old. Parents should have a stable source of income. 1. Conditions for buying a house with a bank loan: 1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence; 2. Have a stable occupation and income; 3, have the ability to repay the loan principal and interest on schedule; 4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee. 5, there is a contract or agreement to buy housing; 6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the bank according to regulations; 7. Other conditions stipulated by the lending bank. Second, what materials do you need for a bank loan to buy a house? 1, loan application form; 2. Subscription agreement or sales contract; 3. identification; Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. 4 proof of income (including tax bill, bank deposit record and employer's confirmation). Third, the first step of buying a house with a bank loan: the buyer and the seller prepare complete information to see a lawyer. Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion; Step 3: The bank reviews the evaluation report and the president signs the loan. Step 4: Pay attention to the loan to buy a house: 1. Don't apply for prepayment if the loan is less than one year, otherwise the bank will charge a lot of liquidated damages. According to the regulations, the repayment should be made after one year, and the amount returned should exceed the repayment amount of six months, otherwise the bank will charge a lot of liquidated damages. 2. There should be no problem with the credit investigation, otherwise you may not be able to apply for a loan. Everyone's credit information is very important, which is related to their own reputation. If the credit is not good, the bank will not approve the loan. Legal basis: Regulations on the Administration of Credit Information Industry Article 1 These Regulations are formulated in order to standardize credit information activities, protect the legitimate rights and interests of parties, guide and promote the healthy development of credit information industry and the construction of social credit system. Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Second, do parents need to check my credit information when they borrow money to buy a house?

not necessary

3. When my parents buy a house, will the bank loan bank check my credit information?

This has nothing to do with you.

Only check buyers.

That is, your parents' credit status.

You are independent individuals, so I borrow money online, which has no effect on bank lending, right? The online loan is still available, but it is not overdue. It's a loan from Xi 'an Bank.

4. When my parents buy a house, will the bank loan bank check my credit information?

As a financial worker and a person who once worked in a bank, I clearly told the subject that your parents will not check your credit information when they buy a house, but only your parents' credit information.

What banks need to master in issuing mortgage loans is the credit records of the buyers, and they cannot engage in the policy of "sitting together"; Whether your parents' credit information is good or not will not affect your credit information record.

Of course, if parents have a good credit record when buying a house, they can apply for a loan smoothly. If they have a bad record, they will definitely not be able to get a loan smoothly. Therefore, even if your parents go to the bank for mortgage loan, which has nothing to do with your credit information, you can remind your parents to pay attention to maintaining their credit information and keep their promises. If there is overdue loan, try to pay it back first, and then apply for a loan from the bank. So your parents' loan insurance system is much higher.