There are 17 credit inquiry records. Can I apply for a mortgage loan like this?

If you are planning to apply for a personal loan at our bank, the credit record will be one of the important options for the audit. Whether the final audit can be passed is based on a comprehensive assessment based on the type of business you applied for, personal solvency, credit status and other factors, and can only be determined after approval by the handling outlet. It is recommended that you provide relevant application materials and contact the personal loan department of your local branch for further verification. There are 19 records of credit inquiry. Is it possible to get a mortgage? If the result of the inquiry of credit record is like this, will it affect the mortgage?

If you plan to apply for a personal housing loan in our bank, the "credit record" will be used as an audit factor. One of the important options. Whether the final audit can be passed is based on a comprehensive assessment based on the type of business you applied for, personal solvency, credit status and other factors, and can only be determined after approval by the handling outlet. It is recommended that you provide relevant application materials and contact the personal loan department of your local branch for further verification. Can I still apply for a mortgage with such a credit record?

No, because you are overdue for more than six months, the loan cannot be approved. Having good credit can eliminate the impact of overdue. Can I still apply for a mortgage if I have a bad credit record?

Hello, depending on the overdue situation, if the credit report has been three or six in a row in the past five years, the credit report is black and you cannot apply for a loan. If the credit card is overdue, please check the credit report within the past two years. It is recommended to print a copy of the credit report. Please check your credit report with the bank. Please know that you will be applying for a mortgage recently. Will this credit inquiry record affect the mortgage?

If you plan to apply for a personal housing loan at China Merchants Bank, the "credit record" will be used as an audit one of the important options. Whether the final audit can be passed is based on a comprehensive assessment based on the type of business you applied for, personal solvency, credit status and other factors, and can only be determined after approval by the handling outlet. It is recommended that you provide relevant application materials and contact the personal loan department of your local branch for further verification.

Can I get a loan if I have frequent credit inquiry records?

Too many credit inquiry records will affect the loan. The number of credit inquiry records is based on the past two months. The number of credit inquiry records in the past two months is a reference. You can apply for a loan if you make no more than 5 inquiries within the period.

Conditions for applying for loan business:

Natural persons aged 18 to 65 years old;

The actual age of the borrower plus the loan application period should not exceed 70 years old ;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Have good credit, no bad records, and the loan purpose is legal;

Bank regulations other conditions. Will too many personal inquiries on your credit record affect your mortgage loan?

If your credit card is overdue, it will definitely be shown on your credit record. However, whether the loan application can be approved is determined by the bank based on the user's credit situation. Each bank's evaluation standards are different. It is very likely that the loan application will not pass the audit of this bank, but it will pass the audit of another bank. Therefore, if there is an overdue loan application for a credit card, it depends on the severity of the overdue payment and the audit standards of each bank. At present, the two major foreign banks, Standard Chartered Bank and Citibank, have relatively loose checks on personal credit loans for overdue credit records. You can apply for a loan without serious overdue credit. Are there many such credit inquiry records?

Many

The query method is as follows:

1. Enter the homepage and click on the Internet Personal Credit Information Service Platform.

2. After entering, click Login, fill in your login name and password, and click Login.

3. Perform identity verification. Users can choose the bank card, digital certificate or mobile financial IC card verification method to obtain the verification results in real time; if they choose the question verification method, they will receive the audit results via SMS 24 hours after submitting the application. If you fail identity verification multiple times, you can use other verification methods or go to the local People's Bank of China branch to check your credit report on-site.

4. Submit inquiry application.

The platform provides three product services: personal credit information reminders, personal credit information summaries, and personal credit reports. The personal credit information prompt reminds the registered user in one sentence whether there is an overdue record in the personal credit system in the past 5 years; the personal credit information summary shows the registered user a summary of their personal credit status, including credit records, public information** * Summary information of records and inquiry records; personal credit report displays the basic situation of personal credit information for registered users, including detailed information of credit records, partial public records and inquiry records.

5. Get query results. After the credit information product is processed (usually on the second day after the inquiry application is successfully submitted), the platform will send a text message containing the identity verification code to the user. Users can log in to the platform and use the identity verification code to view the query results within 7 days of receiving the identity verification code. This is my credit inquiry record. Will it have a big impact on the mortgage loan?

I personally think it is fine and it will not affect the loan. Generally speaking, as long as you don't have any overdue credit card records, it's no problem to get a loan.

I hope my answer can help you, and I hope you will adopt it, thank you.