When applying for a housing mortgage loan, the real estate association will submit an application to the bank to inquire about the applicant's personal credit information in the past two years. If my credit information is not good, the loan may be rejected. Of course, it doesn't mean that you can't buy a house with a bad personal credit record. In fact, it depends on the severity of bank audit.
Generally, the term of bad credit records in the system is 5 years. After 5 years, you can check your personal credit again. Even if your previous personal credit record is not very good, you still have the opportunity to apply for a mortgage loan.
When is the latest time for bank credit card repayment? 1. The maturity date of bank credit card repayment mainly refers to the last time that the bank that sells bank cards asks the credit card holder to repay the payable amount. In other words, after the issuing bank issues the bill, you should settle all your previous transaction fees before the due repayment date.
2. Actually, the due repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free, so loans overdue needs to charge extra interest and tax late fees. But for each bank, the interest-free repayment period is different. Some points to remember about the repayment date of credit card:
3. Be sure to choose full repayment to enjoy interest-free; The fixed time of interest-free period is 20 days after the repayment date; Interest-free standard can only be enjoyed by transaction (credit card), but interest-free withdrawal is not enjoyed, and deduction will be made.
4. The due repayment date is also called the final repayment date. If you don't repay in full before the due repayment date, so you don't choose the minimum repayment amount of the credit card, then you may face the following penalties: all trading accounts no longer enjoy interest-free repayment wages, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of transaction, with a daily interest rate of five ten thousandths and a monthly interest rate; Receiving the dunning mobile phone and dunning letter from the bank; Your account and feedback your loan records to the People's Bank of China for inclusion in your credit file will endanger your personal credit information.
What is the proof of income? Income proof is a kind of proof of economic source that many people need in their usual production and business activities. Generally, when applying for a visa to go abroad, bank loans, bank credit cards, etc. , need the proof of economic source issued by the relevant enterprises. This income is generally after-tax salary.
The specific contents of the income certificate generally include: monthly income, including wages, bonuses, provident fund, share dividends and other income. However, buyers need to be reminded that different types of bank income certificates have different formats, and some companies also have their own fixed income certificates. The details need to be examined.
What should be the income in the income certificate? When the loan to buy a house proves income, the amount must be twice the monthly repayment amount of the housing loan. If you have to pay 3,000 yuan a month, your monthly income needs to be more than 6,000 yuan. Moreover, some banks should be required to fill in the format, so be sure to confirm the format problem with the connecting bank before filling in. In addition, when looking for a company seal, it must be original, and a copy cannot be submitted. Some banks are also strictly managed, and the company seal must be round.