Requirements for credit reporting when buying a house:
1. Personal credit information is good, and there cannot be too many overdue records. It cannot be overdue for three consecutive months or accumulated for six months within two years.
2. A large number of loan records, application records and inquiry records in the upstream of the credit report are not conducive to the approval of mortgage loans.
3. If the credit card is paid in installments or there is an outstanding loan, the mortgage may also be rejected.
Matters needing attention in buying a house for credit information:
1, the time of credit inquiry is not equal to the time of declaration.
When querying credit information, it is only the time when the system receives the query application from the query operator; "Report Time" refers to the time when your credit report is generated after the system receives the inquiry application. The inquired information includes asset disposal information, guarantor compensation information, credit card information, housing loan information and other loan information before reporting the case, and the number of your accounts, overdue accounts and guarantees for others are summarized respectively.
2. The number of accounts is not equal to the number of credit cards.
The number of accounts found by credit inquiry not only refers to the number of credit cards, but also includes credit card accounts, several housing loans and several other loans. Generally speaking, dual-currency credit cards (including RMB accounts and US dollar accounts) are calculated by commercial banks according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.
3. Overdue amount
The overdue amount will affect your credit information. The "overdue amount" of a credit card refers to the amount that you have not repaid on time or in full by the end of the repayment date, as well as the interest (including penalty interest) and expenses (including over-limit fees and late fees) arising therefrom.
4. Overdraft and used line
Both "overdraft balance" and "used line" in credit inquiry reflect the amount of money you owe to the bank (including principal and interest), but different business types use two expressions. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used line".
What is the credit standard of mortgage loan?
House is an important asset in daily necessities. After all, many people are poor all their lives just to buy a house. Most people will choose loans to praise the world when buying a house, so what level of credit is needed to apply for a mortgage? Different banks have different regulations, and many people have summarized the following strategies, hoping to help everyone.
I. China Construction Bank
1. Repay the loan principal in installments or pay interest in three consecutive installments (inclusive) or accumulate more than six installments;
2. Repaying the loan principal or interest in one lump sum at maturity is overdue for more than 90 days (inclusive);
3. The customer's status is overdue in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or have a bad record that is overdue for more than 90 days within 12 months.
In case of the above-mentioned serious breach of contract, CCB will directly reject the mortgage application and must adopt other methods or try another bank.
Two. Industrial and Commercial Bank of China
At present, the personal consumption loans overdue time within 24 months is ≥6 months; Loans overdue time of individual housing within the current 24 months ≥ 12.
ICBC also has high requirements for credit reporting, so please don't overdue for too long, otherwise it will be difficult to repair.
Three. agricultural bank
Before granting loans to borrowers, borrowers are required to have a "good loan credit record and no outstanding loan principal and interest".
4. Bank of China
Credit history of credit card in recent three months, overdraft for one month after interest-free period, overdraft for two months after interest-free period 1, and overdraft for three months after quasi-credit card interest-free period. In either case, the approval will be directly refused.
What are the credit requirements for mortgage loans?
The basic credit requirements for banks to apply for mortgages are: good personal credit and no bad records. If the loan and credit card (debit card) are overdue recently, although the mortgage application may not be rejected, the pass rate and loan interest rate will have an impact.
Take China Construction Bank as an example:
1. If the applicant's loan is overdue for three consecutive times or six times in total, he cannot apply for a mortgage;
2. The applicant's loan or credit card (debit card) is overdue for more than 90 days and cannot apply for a mortgage;
3. If the credit information shows that there are overdue loans or credit cards (debit cards), you cannot apply for a mortgage.
What are the requirements for housing loan credit reporting?
When applying for a mortgage, the requirement for credit information is that it cannot be overdue and the credit information is in good condition. If it is overdue for six or three times in the last two years, the bank will reject the borrower's application.
Before you apply for a mortgage, you can also go to official website, the Credit Information Center of the People's Bank of China, or local branches to check the credit information, and you won't charge any fees, but you need to fill out an application form.
When applying for a mortgage, you can consult different banks, understand the requirements of different banks for credit information, and then choose one that suits you.