There is no problem with credit reporting, but customers can still apply for car loans when their debts are high. As long as you find a way to repay the debts in your name first (those who have the ability to repay can pay them off in one lump sum, and those who can't repay them for a while can pay as much as possible) to reduce debts; And provide as much information as possible about economic income, assets and financial resources when applying.
As long as personal credit is well maintained, banks (auto consumption finance companies) can prove that they have the ability to repay the principal and interest of loans on time, and car loans can generally be handled smoothly.
The credit record is very good, and there is no overdue, but the debt ratio is high, which affects the mortgage?
Will affect the mortgage.
The bank will comprehensively evaluate the customer's asset credit operation and finally decide on the loan. The bank will check the credit report. Too much debt, reduced repayment ability, and increased difficulty in approving bank loans.
Under normal circumstances, personal debt ratio = total debt/total income * 100%, while relatively loose banks stipulate that there is room for lending when the debt ratio does not exceed 50%, and the debt ratio does not exceed 60% at the highest. Once it exceeds this range, it is a sign of insufficient repayment ability, and it is more likely to be refused a loan.
Extended data
Conditions of mortgage loan
Banks generally require that the object of "individual housing loan" should be a natural person with full capacity for civil conduct and meet the following conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3, do not enjoy the purchase subsidy, not less than 20% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, and the individual will bear 20% as the down payment;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank.
Debt150,000+Good credit information. Can I get a loan from Agricultural Bank?
It depends on your repayment ability. Those with good credit information and high debts can apply for loans, but the chances of successful loans are relatively low. Because of the high personal debt, banks have to consider the repayment risk, so most of them will refuse, but you can apply for a loan through mortgage or secured loan, which is easier to pass.
1, debt 1.5 million, and you can also apply for a loan. Usually credit loans, your personal credit records and the bank's loan system will be displayed.
2. And in this case, if you want to borrow money to buy a house and have plans to apply for a mortgage, the lending institution will review the individual repayment ability of the loan.
3. Banks will consider the debt ratio when examining the qualifications of borrowers. If the borrower's repayment ability is good and the debt situation is good, the impact on the bank's review of mortgage applications will not be great. If the repayment ability is poor at this time, it will usually have a certain impact.
The simplest: see if the running water is big enough to cover the repayment of 200 thousand debt and mortgage every month.
For example, the credit card is 200,000, and the monthly debt is in the early 20,000. If your mortgage payment is 5,000, your total monthly debt is 25,000. Our local mortgage allocation needs 2.5 times of running water, that is, 25,000× 2.5 = 62,500, and the average monthly running water is greater than this figure.
If the tap water is not enough, you can add another tap water, or your spouse's tap water. Of course, your spouse's debts will also be counted.
Pay attention to when your debt is generated, and don't be suspected by the bank that you have debt to make a down payment.