First, how to evaluate your credit qualification before buying a house loan?
In fact, your credit report can be printed by the local People's Bank or registered on the website of the Personal Credit Information Center of the People's Bank. After getting the credit report, focus on several aspects:
1, depending on the overdue situation
If there is no overdue in the last two years, it is naturally good. But if it is overdue, it depends on how many times it is overdue: it is overdue for more than 2 months in a row, or it is overdue for more than 6 times. If this is really the case, the bank will basically not give you a loan.
However, if the overdue times are less than 6 times, it is suggested that you can consult a bank or real estate agent to understand the specific situation. Maybe you still have a chance to successfully approve the loan. Because the requirements of each bank are different.
2. Check the query record
Don't think that the query record is not important. In fact, it is a wrong idea, because too many inquiries will also affect personal credit. Generally speaking, there is a query record behind the credit report. If there are more than six inquiry records in the last six months, it will be dangerous.
3. Look at the online loan situation
As far as the current situation is concerned, banks are more taboo about online lending, including lending and micro-lending. If there is an online loan on the credit report that has not been paid off, pay off the arrears in one lump sum, as evidenced by the screenshot.
4. Look at the liabilities
Before buying a house loan, you can refer to your own bank flow, and then look at the liabilities on the credit report, including the outstanding loan amount and credit card overdraft. If there is no debt or little debt, the problem is not big. If the monthly repayment exceeds 30% of your monthly bank flow, it is more dangerous.
Second, what are the circumstances that affect personal credit reporting?
Usually, the main factors that may affect personal credit risk score are: overdue repayment in loans, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Here is a detailed list for everyone:
1. The credit card has been overdue for three or six consecutive times in two years.
2. In the process of housing and car supply, the monthly payment is overdue for 2 to 3 months or unpaid.
3. The expected annual interest rate of the loan is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest.
4. When providing guarantee for the third party, the third party fails to repay the loan on time.
5. The student loan is in arrears.
6. The debt is too high, for example, there have been loans before, and the loan amount is large, accounting for 70%-80% of the income.
7. Personal credit information has been inquired by people other than myself for many times.
8. Spouse's credit has a great influence.
9. The publicity records have bad records (i.e. repayment and payment of housing provident fund, water and electricity charges, telecommunication fees, etc.). ).
In daily life, we should take the initiative to keep a smooth contact channel with the bank, pay attention to updating the mobile phone number and provide our basic information accurately. In addition, we should pay attention to living within our means and repay on time to avoid overdue. If there are overdue records, repayment should be made as soon as possible, and active measures should be taken to avoid recurrence; If the overdue information is wrong, you should apply as soon as possible and correct it in time. Only by paying attention to the details of life can we maintain personal credit.