It's not good to get credits. If you have a real estate license, you need to use the real estate as a mortgage loan. However, considering the personal credit problem, even if payment can be made, the mortgage rate is relatively low, generally about 50% of the assessed value. And if the loan is not paid in the future, the bank has the money to recover the property, and then let the court auction it, and use the auction money to repay the loan owed by the borrower.

Requirements of bank loans for credit investigation

1, see the personal credit inquiry record.

Lending institutions mainly look at the borrower's credit card and loan approval records. If there are too many credit inquiries in a short period of time, and the cumulative number of inquiries exceeds six in half a year, banks and other lending institutions will think that the borrower's capital chain is abnormal in a short period of time, and he is short of money in the near future, or the borrower's own credit problems lead to repeated refusal to lend, so it may be risky to continue lending to the borrower and refuse to lend.

2. Check the expired records

General lending institutions have the requirement of "three consecutive months and six consecutive years" for borrowers' overdue behavior, that is, they can't have overdue behavior for three consecutive months, and the cumulative overdue times in the past two years can't exceed six times. If the loan has been settled, a settlement certificate is required. It is best to inquire in advance and be prepared, because it takes time to open the settlement certificate. The requirements of different lending institutions may be slightly different, and the specific requirements of lending institutions shall prevail when applying for loans.

Step 3 look at the debt situation

General lending institutions stipulate that the borrower's debt ratio cannot exceed 50%, so the borrower should be clear about his debt before lending. If the debt ratio is too high, the lending institution will think that you don't have enough repayment ability and will reject your loan application to avoid credit risk. Therefore, before handling the loan, the borrower should have an accurate understanding of his own economic situation, such as his repayment ability, debt situation, how much money he can use every month and so on. And don't let the loan affect his normal expenses.

When can the credit black households return to normal?

It takes five years for black accounts to return to normal, and during these five years, borrowers must maintain good personal credit. What borrowers need to understand is that black households who want to return to normal mainly on the premise of repayment will not return to normal without paying off their debts. Generally speaking, personal bad credit records can be restored to normal, but the premise is to maintain a good credit status while paying off debts.