2. The borrower's credit account will be marked as normal, concerned, secondary, suspicious and loss. Except that the account status is normal and the borrower's credit account is marked in any of the other four situations, it is impossible to borrow money to buy a house.
What kind of credit information is above? You can't buy a house with a loan.
Credit reports can be checked several times a year.
Credit reports can be inquired twice a year for free. There is no limit to the number of credit report inquiries, but individuals who inquire about credit reports can only inquire twice a year for free. If users want to inquire about credit information after using the free opportunity, they need to pay an inquiry fee of 10 RMB/time. Credit investigation is divided into institutional inquiry and personal inquiry, and all inquiry records will be displayed on the credit investigation report. If there are too many inquiries from institutions, users' credit will be changed, which will affect users' subsequent loan and credit card processing. Therefore, users need to be careful not to apply for online loans frequently to prevent too many inquiries from institutions from affecting personal credit.
A few years of credit investigation can eliminate records.
Records can be cleared after 5 years of credit investigation, but only when the relevant users have repaid in full and on time will the records be cleared after 5 years. The overdue records will be kept in the personal credit information system for 5 years, and the very obvious and obviously malicious negative news such as bankruptcy will be kept for 10 years. If there are bad credit records in the credit report, users need to take the initiative to pay off the bad debts, regardless of whether the loans overdue or the credit card is overdue. In order to clear bad credit records, what users need to do is to pay off their debts.
What is the impact of overdue on credit reporting?
1, personal credit is damaged;
2. It will affect the handling of credit cards and loans: it will cause banks, lending institutions and platforms to be unable to approve cards and loans;
3, affecting travel and normal life: once you enter the blacklist of credit information, it is likely to cause your travel to be blocked, such as flying, high-speed rail, train and so on. May be restricted;
4. No consumption: not high consumption, not staying in five-star hotels, not trading in high-end clubs, golf courses and other high-end places;
5. Children can't go to private schools: If parents can't be trusted, children can't go to private schools with high fees.
This article is mainly about what kind of credit information can't be borrowed to buy a house, and the content is for reference only.