Credit information is married but actually unmarried, which affects the handling of housing loans. The processing method is also very simple. Apply for objection to the Nanjing Credit Information Center of the People's Bank of China with the original and photocopy of my ID card and credit report. The Credit Information Center will contact relevant banks to help you verify. If you know which bank made a mistake in your information, you can also take your household registration book to the bank to modify your personal information, which will speed up the handling of credit objections.

Second, how to mortgage if the spouse's credit is not good?

When applying for a mortgage, the bank will generally check the credit information of both husband and wife. If the spouse's credit information is not good, it will affect the review of the mortgage, and in serious cases, the mortgage will be rejected.

If the spouse's credit information is not good, it is best to choose a bank with loose mortgage review or more daily business dealings. The party with good credit information is the main borrower or the only borrower.

If the spouse's credit information is extremely poor and the bad credit record such as overdue credit information report is serious, then it may be necessary to improve the credit information before applying for a mortgage.

Third, what should I do if my credit is not good?

In daily life, many people will be refused loans by banks because of poor credit information. Then the problem is coming. Do you know how to deal with the mortgage if the credit is bad? What if there is a bad credit record? Next, I will give you a brief introduction.

What if the credit information is not good?

You can only apply for a loan if your credit is restored. Because the loan amount is large, the risk that the bank bears is high. If the personal credit information is not good, the bank will think that you have the risk of default, so generally you can't get a mortgage. But you can restore your credit by these methods, such as paying off overdue debts and maintaining good credit for five years.

What bad records can be "eliminated"

1. False information

If your credit information is bad due to false English information, and the circumstances are not serious, it is recommended to go to the local credit information center to file an objection application. Under normal circumstances, it takes about 20 days to deal with objections, which has little impact.

2. Encounter a fake loan

The main reason for encountering fake loans is the loss of identity cards, which leads to the theft of personal information. If there are bad records of non-personal behaviors in the credit report, it is recommended to apply for verification, or you can ask the bank to eliminate bad records of fake loans.

3. Occasionally overdue can be saved.

It is not impossible for banks to do some overdue behavior, usually within a certain range. Occasionally overdue will not affect the mortgage application. However, due to different banks and rules, the requirements for overdue will be different. But please remember one sentence: "it is not difficult to borrow again after borrowing and returning."

I'll teach you a trick "the plot is serious"

1. It's never too late.

If it is overdue for many times, it is necessary to make up in time and settle the arrears. Don't continue to default, otherwise it will cause malicious default. If the credit card is overdue for a long time, don't cancel it directly, but take the initiative to solve it, and the bad record will be automatically eliminated after five years. Generally speaking, except mortgage, most loans are based on credit records within two years.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of how to apply for a mortgage if the credit is not good. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Fourth, how to mortgage the bad credit?

1. As long as it is not blacklisted, you can still apply for a loan. 2. Banks generally only look at the credit status in the last two years. Most banks limit the overdue period to twice in the last three months, three times in the last six months and four times a year. There are many kinds of non-performing loans, which can be assisted by third-party companies. One is flowers, such as applying for loans, credit cards, and small loan inquiries. If there is overdue amount, it can be solved by paying back the money. The rest depends on what money you want to borrow. Credit loans are basically difficult. Mortgage can still be done.