The mortgage bank that buys a house depends on the credit information for two to five years. The key point is two years. If the overdue period is particularly serious, it will be three to five years. If it is more than three times in a row, it may increase the possibility of refusing loans. What are the types of overdue? It is best to use specific credit information to judge.

I hope my answer can help you.

What are the requirements for housing loan credit reporting?

When applying for a mortgage, the requirement for credit information is that it cannot be overdue and the credit information is in good condition. If it is overdue for six or three times in the last two years, the bank will reject the borrower's application.

Before you apply for a mortgage, you can also go to official website, the Credit Information Center of the People's Bank of China, or local branches to check the credit information, and you won't charge any fees, but you need to fill out an application form.

When applying for a mortgage, you can consult different banks, understand the requirements of different banks for credit information, and then choose one that suits you.

Do you look at credit information for real estate mortgage loans?

Housing mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit history is blacklisted, you can't mortgage the loan, and the husband and wife influence each other.

I. The real estate mortgage loan process is as follows:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Two, when applying for a housing loan, you need some relevant documents to prove that it mainly includes the following parts:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is necessary.

Extended data

Housing mortgage loan requirements:

I. Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Two. Requirements of the lender

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.