It is common to choose a loan when buying a house, but you have to choose a bank before lending. Different banks have different loan problems. Besides the four major banks, there are many commercial banks, such as Ping An Bank and Guangfa Bank. Today, I'd like to introduce the Bank of Shang Hui to you. So, what about the loan from the Bank of Shang Hui? In addition, how to borrow money to buy a house after the credit card is overdue? Let's have a look.

How about getting a loan from the Bank of Shang Hui?

Shang Hui Bank mainly serves small and medium-sized enterprises. At present, there are 199 colleges and universities, covering all 16 provincial cities in Anhui and neighboring Nanjing, Jiangsu. Constantly expanding new development space, in 2009, it established the first branch outside the province in Nanjing, Jiangsu Province, achieving an important breakthrough in cross-regional development. Now it has become a well-known financial service provider in Anhui and even the whole country, ranking in the forefront of the industry. According to Bian Xiao, the bank also won the special honor of ranking 305th among the global 1000 banks in 2065,438+02 selected by British Banker magazine.

How to borrow money to buy a house after the credit card is overdue

According to the severity of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards have expired.

Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above. Solution: Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential loans in some banks, so choose the one with the lowest interest rate.

2. The credit card is overdue for three consecutive times or six times in two years.

Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times. Solution: Find overdue and timely repayment, and keep good repayment records in the next 24 months, and cover up bad records with good records.