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 loan to buy a house, so what level of credit information 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. Arrears the loan principal or interest for three consecutive installments (inclusive) or more;
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.
Do you need to look at the credit information for 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 who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet 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.