It is enough to make a credit report within one month before submitting the mortgage application, but it is best to make a credit report in April instead of May. In addition, the detailed version of the credit report must be printed in the branches of the People's Bank of China, and its simplified version can only be used as a reference, not as materials for applying for mortgage loans. Many people print credit reports. Please go to the branch of China People's Bank for this business as soon as possible.

First, the basic information of credit report

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved. On June 65438+1October 65438+September, 2020, the second generation credit information system was officially launched.

Second, the details of the credit report

In order to make people "understand" the personal credit report, experts from Chengdu Branch of China People's Bank stressed that the key is to understand several symbols. In personal credit reports, there are usually the following symbols:

/-indicates that no account has been opened;

*-indicates that there is no repayment history in this month, and the data with repayment period longer than that of this month are marked with this symbol, and the repayment frequency is irregular. * indicates that there is no repayment behavior in this month; This symbol is also used to indicate that no repayment is required in the month of opening an account.

N-normal (indicating that the borrower has repaid the current month's money in full and on time);

1-65438+ 0 ~ 30 days overdue;

2 —— It means that it is 3 1 ~ 60 days overdue;

3 —— 6 1 ~ 90 days overdue;

4 —— 9 1 ~ 120 days overdue;

5 —— means overdue 12 1 ~ 150 days;

6 —— indicates that the overdue days are 15 1 ~ 180 days;

7 —— It means that the overdue is more than 180 days;

D—— repayment by the guarantor (indicating that the guarantor has repaid the borrower's loan, including timely repayment by the guarantor and partial repayment by the guarantor);

Z—— Paying off debts with assets (means that the borrower repaid the loan by paying off debts with assets. Only refers to the part that pays off debts with assets);

C- settlement (the borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of the guarantor, etc. );

G-termination (any other form of account termination except settlement).

# ——————— The repayment situation is unknown.