What materials do mortgage loans need to buy a house? It is difficult to buy a house with poor credit information!

2. What are the credit record requirements for housing loans?

The requirement of credit record for housing loan depends on the access conditions of local provident fund. Generally speaking, no more than 6 overdue and 3 consecutive overdue in the past two years. During the process of common lender's provident fund loan, the bank will check the lender's credit record through the credit information system of China People's Bank.

Specific requirements of personal credit information system:

Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services.

Specific characteristics of personal credit information system:

Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields. In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.

When applying for housing provident fund loans, personal credit report audit standards:

The borrower and the borrower's personal credit report have a credit record of 24 consecutive months. During this period, any loan or credit card repayment that is in arrears for 3 consecutive periods or accumulated for 6 periods does not meet the loan conditions of housing provident fund. The quasi-credit card in the personal credit report of the borrower and * * * the same borrower has been marked 1 and 2 for 24 consecutive months, and does not have the mark 3. In principle, it is not within the scope of bad credit records. As long as the credit record within 24 months meets the above personal credit conditions, you can apply for housing provident fund loans.

3. What conditions does personal credit need to meet when buying a house with a loan from the Bank of China?

Based on credit records within 2 years.

Generally speaking, the overdue limit required by the lending bank is that the accumulated overdue in the past three months cannot exceed two times, three times in half a year, four times in a year and six times in two years.

In addition, the personal loan conditions of China Bank:

A borrower applying for a personal first-hand housing loan must meet the following conditions:

1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Pay the down payment that meets relevant regulatory requirements;

5. Provide effective guarantee recognized by the lender;

Borrowers applying for personal second-hand housing loans must meet the following conditions:

1. The purchased house meets the transaction conditions for entering the secondary real estate market, the property rights are clear, and the buyer and the seller sign a legal and effective house sales contract or agreement;

2. Pay the down payment of the house that meets the relevant regulatory requirements, and open a settlement account with the lender;

3. Agree to mortgage the purchased second-hand house to the bank as a guarantee to repay the principal and interest of the loan or provide other effective guarantees that comply with laws and regulations and are recognized by the lender.

Extended data:

At present, the use of personal credit reports is limited to commercial banks and financial institutions that handle credit according to law (mainly housing provident fund management centers, finance companies, auto finance companies, microfinance companies, etc.). ) and China People's Bank, where consumers can also obtain their own credit reports.

Personal credit reporting system provides different formats of personal credit reports according to different users, including bank version, personal inquiry version and internal version of credit reporting center, which serve commercial banks, financial institutions, consumers and the People's Bank of China respectively.

Whether it is a commercial bank, a consumer or the People's Bank of China, when inquiring about a personal credit report, the inquirer must obtain the written authorization of the inquired person and keep a copy of the inquired person's identity document.

The personal credit information system has realized that all branches of commercial banks in China can access and query the credit information of any individual nationwide. Commercial banks can only query personal credit reports from the personal credit information system when they handle the following businesses:

1. Review applications for personal loans, credit cards and quasi-credit cards;

2. Review the individual as guarantor;

3. Post-loan risk management of personal credit;

4. When accepting a loan application from a legal person or other organization or acting as a guarantor, it is necessary to check the credit status of its legal representative and investor.

Consumers can submit a written application to the Credit Information Center, Credit Information Sub-center and Credit Management Department of local branches of the People's Bank of China for inquiring about personal credit reports. Just fill in the "Personal Credit Report Inquiry Application Form", provide valid identity documents for inspection, and keep a copy of the identity documents for future reference.