There is no credit reference for Pumpkin Loans. Take the credit reference inquiry for buying a house as an example. Only the following situations will affect personal credit reference and thus affect the application for housing loans.

1. The credit card payment is overdue three times in a row (or six times in total within two years).

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

5. If the "Sleep Credit Card" is not used after activation, annual fees will be incurred. Failure to pay will result in a negative credit record.

6. Credit card overdrafts and mortgage loans were not paid back on time.

7. When providing guarantee to a third party, the third party failed to repay the loan on time.

9. Cashing out of personal credit cards.

10. Student loan arrears and non-repayment.

11. Mobile phone deductions are linked to bank card deductions. Relevant procedures were not completed after the mobile phone was deactivated, resulting in an overdue payment due to monthly rent arrears.

12. Credit card arrears records are generated when someone else uses the identity card or a copy of the identity card fraudulently.

Extended information:

Currently, as far as personal credit information is concerned, effective credit information includes four parts:

1. Basic information of the user, Name, place of birth, occupation, income, education and address, etc.;

2. Financial and loan information, including student loans, car loans, mortgages and credit card repayment records, etc.;

3. Consumption information, including consumption information in shopping malls and on the Internet, what is the frequency level;

4. Social publicity information, whether there is a court judgment, whether there is tax evasion, whether there is bus and subway fare evasion Records etc.

Don’t underestimate credit. In this ever-changing Internet era, personal credit is wealth. In the future, those who have faith will travel all over the world; those without faith will not be able to move even a single step. Let everyone cherish their credit records and enjoy a happy life in the new era.

People's Daily Online - Do you know that these 13 types of bad credit records will affect your mortgage loan?