You can also borrow money to buy a house. As long as the loan can be repaid in time and there is no overdue behavior, it will not affect the loan to buy a house. Now the loan to buy a house is strict, so we must ensure that the lender has good credit, a stable job and the ability to repay the loan before we can borrow to buy a house.
Lenders need to bring ID cards, proof of marital status and proof of income to the bank to submit applications.
If there is an online loan that meets the bank loan conditions, you can apply for a loan to buy a house. After you apply for a loan from the bank, the bank will review the applicant's personal credit information, income level and guarantee.
Online lending has an impact on individuals applying for housing loans. Because online loans are usually related to personal credit information, online loan records will appear in personal credit information reports, and the repayment willingness and asset accumulation of applicants can be analyzed through credit information records.
Online loans are overdue or too many times, or even refuse to lend.
Extended data:
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending.
P2P online lending refers to direct lending between individuals through the Internet platform.
It is a sub-category of the Internet finance (ITFIN) industry.
In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
Advantages and disadvantages:
superiority
High annual compound income
The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.
Simple operation
The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage.
It is convenient for both borrowers and borrowers.
Pioneering thinking
Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.
disadvantaged
Unsecured, high interest rate, high risk
Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all.
Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law.
It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
credit risk
The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it.
Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.
Lack of effective supervision means
Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending.
For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.