1, see if the credit information can be repaired.
In fact, some overdue credit reports can be repaired, for example, due to the fault of the bank, for example, the bank can't deduct money normally because of the system upgrade, for example, the annual credit card fee is overdue because it is not paid in time, for example, the minimum repayment amount of the credit card is lower than the bank's tolerance limit, for example, the party concerned is falsely loaned or the application for a credit card is overdue because of the bank's lax review, for example, due to some unexpected situations, such as earthquakes and typhoons, the party concerned does not have repayment conditions.
If everyone's credit is overdue and meets the above conditions, you can find a bank to repair it. After verifying the situation, if the situation is true, it will generally be repaired. Then, after next month, these bad credit reports will be repaired. However, if everyone's overdue credit information is entirely caused by their own reasons, it can't be repaired. Even if you pay someone, no one can fix it for you, so don't believe the gossip of paying for it.
Deposit a large sum of money in the bank and see if you can get the bank's accommodation.
At present, major banks are very short of deposits. Many banks have some special care for large deposit customers. If your mortgage is rejected due to credit problems, you can try to communicate with the bank. If you deposit a large sum of money in the bank, such as more than 200,000 yuan, see if the bank can open a green channel for you. Of course, the premise is that your overdue is not too serious, and you can't pay it back for more than three months in a row, otherwise even the deposit can't save you.
3. Change the main borrower.
For those who have a bad credit report and then can't fix it, the most common way is to change someone with a good credit report as the main borrower. You can apply for a loan in the name of your spouse or relatives and friends, and then repay the loan every month. After your credit report improves, you can transfer the house to your name and apply for a mortgage loan from the bank.
4. Try another bank
At present, there are many banks in the market, and different banks have different requirements for applicants. Some banks have stricter requirements, while others have looser requirements. So you can consult more banks to see if your conditions meet their requirements. Usually, those small banks have lower requirements for applicants, so after the mortgage loans of big banks are rejected, they can consult those small banks. Maybe your conditions will improve after you deposit some money in their bank.
5. Wait for time to fix it
If you still can't get the mortgage through the first four methods, the only way is to wait for time to repair it. At present, major banks mainly look at the records of the last two years. As long as there are no special circumstances such as bad debts and payment suspension, you can apply for a mortgage normally if your credit information returns to normal after two years.
But it should be reminded that in these two years, your credit card or loan should be used normally, so as to maintain a good credit record. Never stop using all credit cards or loans overdue immediately, which will be bad for you. Because this credit report is blank, the bank will have no reference, and it is impossible to judge whether your credit report has improved in the last two years.
The above is what Bian Xiao shared with you about how to remedy the credit problem when buying a house with a loan. More information can focus on the construction industry and share more dry goods.