The key point is how to inquire about the credit report. There are generally two channels for credit report inquiry, one is online inquiry and the other is offline inquiry.
Among them, online inquiry mostly refers to "personal credit information service platform". After logging in, select the verification method to obtain the credit report, and find the shortened version of the credit report. When checking other people's credit information, you must know the account password and related information of the other party, because these information are private information, which is usually only suitable for your own inquiry, so you can let the other party find out and show it to yourself.
The offline inquiry is to go to the local credit information sub-center. In addition to my inquiry, I can also entrust others to inquire. I and the client need to provide my ID card and power of attorney. The credit information found out is a detailed version of the credit information, and the results can be seen on the same day, printed on the spot, and the information found out is more comprehensive.
Can I write two people's names when I borrow money to buy a house?
Under normal circumstances, it is ok to write two people's names when buying a house with a loan, but it depends on the relationship between the two people and whether the name is added before or after the loan. Like couples and couples buying a house, the situation after the loan is different from that before the loan.
1. Couples can add two people's names when buying a house by joint loan, and they need to provide ID cards, household registration books and other documents of both parties. It is also necessary to determine which party is the first lender and which party is the second lender. After the loan is successful, both parties have the property rights of the house; If one party borrows money to buy a house and then adds the name of the other party, it will not work. Because the property right of the house bought by the loan has been mortgaged to the bank, the name can only be added after the loan is paid off and the mortgage is lifted.
2. When a husband and wife borrow money to buy a house, they can write the names of both parties at the time of the loan, and they can also determine the primary and secondary lenders. Both parties have ownership of the house. However, if only one person's name is written when the loan is made, the loan will be paid off and the mortgage will be cancelled. However, no matter whether the name is written or not, as long as the person who buys a house after marriage usually belongs to the same property of the husband and wife, even if there is only one name on the real estate license, the other party is also the owner of the house.
What problems should I pay attention to when signing a contract with a loan to buy a house?
1. The charging standards of various fees must be clear, especially about the down payment and deposit, and how to collect the liquidated damages if you check out later.
2. The property ownership of the public * * * area shall be specified in the purchase contract. If the agreement is unclear, it is likely to be sold by the developer; And the conditions and time of delivery should be clear, especially the liability for breach of contract involving the developer's overdue delivery.
3. Whether the housing loan interest rate is fixed or floating; And the repayment method is equal principal and interest or average capital; Also, the repayment date and penalty interest should be clear.