The reason why this happens is that many people who have applied for credit cards or loans have a large number of inquiry records and use records, and some even have overdue records, which will seriously affect a person's personal credit information and then affect a person's mortgage application. For those who have never used credit cards or loans, we can call them white households, which will be more favorable when applying for personal housing loans.

First, personal credit information will affect the application for mortgage.

There is a simple reason. When a user applies for a personal housing loan, the bank needs a very high credit line, so the bank will examine the user's personal qualifications very strictly. For those with poor personal qualifications, banks are worried that these users will not be able to repay in time and generally will not approve the relevant loans. This is also an important reason why we should pay so much attention to a person's personal credit information, because personal credit information directly affects the difficulty of loans.

Second, people who have never had a credit card or loan are more likely to apply for a mortgage.

For this kind of users, the biggest problem of this kind of users is that they have no credit record. Even so, a person without a credit record is better than a person with a bad credit record. Generally speaking, the bank will ask you to provide a fixed time salary flow. If you can prove that you have enough repayment ability, the bank will approve your loan application

Third, I hope you can further protect your personal credit information.

In modern society, everyone's personal credit information is very important. When a person frequently applies for a credit card or online loan, there will be a large number of inquiry records of this person's credit information, and the bank will judge that this person has no repayment ability. If a person's credit card or online loan is overdue, these records will also appear in personal credit information. In other words, all your financial behaviors will be reflected in personal credit information, and bad credit information records will make you unable to move.