To buy a house and apply for a mortgage in a bank, the basic credit requirement for the applicant is good personal credit and no bad record. If the loan or credit card is overdue recently, although the mortgage application may not be rejected, the pass rate and loan interest rate will have an impact. If the applicant's loan is overdue three times in a row or six times in total, he can't apply for a mortgage. If the applicant's loan or credit card is overdue for more than 90 days, he can't apply for a mortgage loan. If the credit report shows that there are overdue loans or credit cards, he can't apply for a mortgage. It is best to consult different banks to understand the requirements of different banks for credit information, and then choose the right one. When inquiring about credit information, borrowers can go to the official website, the Credit Information Center of the People's Bank of China, the branches of the People's Bank of China or the commercial banks. They don't charge any fees when inquiring about credit information, but they need to fill out an application form. When inquiring about credit information in official website of China People's Bank, you need to register first and then inquire. What are the requirements of Rn for more information about buying a house? Go to: See more.

How can the housing loan credit report be qualified?

Housing loan credit generally meets the following conditions to be qualified:

1 and within 2 years, there shall be no overdue for more than 3 consecutive months, nor shall there be overdue for more than 6 times in total;

2. The query records in the last six months cannot be too many (no more than 6 times);

3. There are no records of freezing, bad debts, payment suspension and asset disposal in the credit investigation;

4. There can be no record showing the executed person in the current credit investigation;

5. There are many loans and many credit overdrafts in the credit investigation;

6. There can be no outstanding online loan records for credit investigation.

Housing loans mainly include the following:

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house.

Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans.

These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

According to the repayment formula of general mortgage loans, it can be divided into two types:

I. Calculation formula of equal principal and interest:

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged.

It should be pointed out that:

1, the maximum amount of urban provident fund loans should be combined with local conditions;

2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis.

Second, the average capital calculation formula:

Monthly repayment = monthly principal, monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate

Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

What are the requirements for credit reporting when buying a house with a loan? How to deal with bad credit loans to buy a house?

Nowadays, many people are under great pressure to buy a house in full, so they can only buy a house by loan, live first and then repay the loan. However, it is not easy to buy a house with a loan, and the requirements for borrowers will be stricter, especially if the credit is not enough and it is easy to be rejected. Then, what are the requirements for credit information when buying a house with a loan? How to deal with bad credit loans to buy a house? Let's get to know each other.

What are the requirements for credit reporting when buying a house with a loan?

The key to buying a house by loan depends on the lender's credit reporting and repayment ability, among which the most basic requirement for credit reporting is good credit and no bad record. The general bank will judge the credit information of the lender from three aspects in the credit report, one is the credit record, the other is the public record, and the third is the inquiry record.

Among them, the credit record must not be overdue before the loan, and it cannot be overdue for three or six times in two years, otherwise it is a non-compliant credit; Public records cannot have tax evasion records, enforcement records, etc. The inquiry record depends on the short-term times of three types of hard inquiry records: loan approval, guarantee qualification examination and credit card approval.

How to deal with bad credit loans to buy a house?

The degree of bad credit loans to buy a house can be divided into two situations:

1. If the credit is not good, it means that it is useless to deal with it in the short term. Unless the overdue period is not caused by my own reasons, we can see whether it can be amended by submitting an objection application. Otherwise, you must pay off the overdue debt for 2 years to get the opportunity to apply for a mortgage, or even wait for 5 years for the bad record to be completely eliminated.

2. If the credit information is not good, but it is not a black account, it is recommended to pay off the overdue debt 6 months before applying for a mortgage. There should be no outstanding credit loan and large credit installment payment before the loan. If it is best to follow the loan, and let the party with good credit information and strong repayment ability be the first-tier lender and the second-tier lender, you can get a higher quota and improve the loan pass rate to a certain extent.

The above is the relevant introduction of "What are the requirements for credit information when buying a house with a loan", and I hope it will help everyone.

What is the credit standard of mortgage loan?

House is an important asset in daily necessities. After all, many people are poor all their lives just to buy a house. Most people will choose loans to praise the world when buying a house, so what level of credit is needed to apply for a mortgage? Different banks have different regulations, and many people have summarized the following strategies, hoping to help everyone.

I. China Construction Bank

1. Repay the loan principal in installments or pay interest in three consecutive installments (inclusive) or accumulate more than six installments;

2. Repaying the loan principal or interest in one lump sum at maturity is overdue for more than 90 days (inclusive);

3. The customer's status is overdue in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or have a bad record that is overdue for more than 90 days within 12 months.

In case of the above-mentioned serious breach of contract, CCB will directly reject the mortgage application and must adopt other methods or try another bank.

Two. Industrial and Commercial Bank of China

At present, the personal consumption loans overdue time within 24 months is ≥6 months; Loans overdue time of individual housing within the current 24 months ≥ 12.

ICBC also has high requirements for credit reporting, so please don't overdue for too long, otherwise it will be difficult to repair.

Three. agricultural bank

Before granting loans to borrowers, borrowers are required to have a "good loan credit record and no outstanding loan principal and interest".

4. Bank of China

Credit history of credit card in recent three months, overdraft for one month after interest-free period, overdraft for two months after interest-free period 1, and overdraft for three months after quasi-credit card interest-free period. In either case, the approval will be directly refused.

To what extent can I buy a house?

Requirements for credit reporting when buying a house:

1. Personal credit information is good, and there cannot be too many overdue records. It cannot be overdue for three consecutive months or accumulated for six months within two years.

2. A large number of loan records, application records and inquiry records in the upstream of the credit report are not conducive to the approval of mortgage loans.

3. If the credit card is paid in installments or there is an outstanding loan, the mortgage may also be rejected.

Matters needing attention in buying a house for credit information:

1, the time of credit inquiry is not equal to the time of declaration.

When querying credit information, it is only the time when the system receives the query application from the query operator; "Report Time" refers to the time when your credit report is generated after the system receives the inquiry application. The inquired information includes asset disposal information, guarantor compensation information, credit card information, housing loan information and other loan information before reporting the case, and the number of your accounts, overdue accounts and guarantees for others are summarized respectively.

2. The number of accounts is not equal to the number of credit cards.

The number of accounts found by credit inquiry not only refers to the number of credit cards, but also includes credit card accounts, several housing loans and several other loans. Generally speaking, dual-currency credit cards (including RMB accounts and US dollar accounts) are calculated by commercial banks according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.

3. Overdue amount

The overdue amount will affect your credit information. The "overdue amount" of a credit card refers to the amount that you have not repaid on time or in full by the end of the repayment date, as well as the interest (including penalty interest) and expenses (including over-limit fees and late fees) arising therefrom.

4. Overdraft and used line

Both "overdraft balance" and "used line" in credit inquiry reflect the amount of money you owe to the bank (including principal and interest), but different business types use two expressions. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used line".