There are mortgage repayments for 5 months, white cat loans, 360 IOUs, Baidu money, and Yin Bei consumer E-point loans.
Secured loan platform:
1, white cat loan
White Cat Loan is a credit product of Guangzhou Du Zhi Internet Co., Ltd., with a loan amount of 50-40,000 yuan, a loan service period of 3- 12 months and a daily loan interest rate of 0.05%. Due to certain geographical restrictions, Ningxia, Inner Mongolia and Xinjiang do not support borrowing for the time being.
2360 IOUs
360 IOUs rely on Qihoo 360, one of the earliest Internet companies in China, with a minimum daily interest rate of 0.02%, which can provide users with a loan amount of up to 200,000 yuan. According to the official explanation, the review time of 360 IOUs is uncertain. Some people may review faster, while others may review more slowly. During the audit process, the whole process is operated by the system without manual participation.
3.baidu has money to spend.
If you want to apply for Baidu to spend money, the borrower needs to meet these conditions: at least 18 years old; I need to fill in my second-generation ID card and my bank debit card; Need to be a registered user of Baidu; Have a stable job and good credit; Have real-name authentication and use a mobile phone number for more than 6 months.
4. Yin Bei consumes E-point loans.
E-point loan is a credit loan product of Yin Bei Consumer Finance Co., Ltd., with a maximum loan of 50,000 yuan and a loan term of 3- 12 months. The application materials are relatively simple. The borrower can provide ID number, authenticate identity and fill in personal basic information.
Not bad. Is it easy to pass? Not bad. Can I pay after the preliminary examination?
Not bad. Is it easy to pass? Not bad. Can I pay after the preliminary examination?
Repayment, as a loan that provides credit card repayment service for users, naturally attracts the attention of many credit card users. When credit card users can't pay off their bills and don't want to repay them in installments, they can repay their credit cards by repayment and then repay the repaid loans later.
Then go back. How about applying?
In the process of loan review, the system will comprehensively evaluate the user's education, credit status, debt status, personal information and other aspects, and there are many materials to be submitted when applying, so the loan review is relatively strict.
However, as long as the user's credit status is good, there are not many other loans, and he has certain repayment ability, it is better to pass the examination when applying for repayment.
If users want to pass the audit successfully, they must first ensure their credit status. When filling in the information, they must submit their own information in full accordance with the page prompts, and there is no fraud or concealment.
As long as your loan qualification is good enough, there is generally no big problem in applying for repayment, but if the user's credit information is poor and there are many loans, it is naturally impossible to approve repayment.
Some users will find that after applying for a loan, the system shows that they have passed the preliminary examination. Does passing the preliminary examination mean that they can repay the loan smoothly after the loan is repaid?
Passing the preliminary examination means that the system has passed the user's audit data, but there are many docking lending institutions, including private lending institutions such as banks.
Therefore, whether you can successfully apply for a loan after the preliminary examination mainly depends on whether the lending institution has passed the user's qualification examination. If you don't meet the requirements of the lending institution, you may not be able to get a loan. In particular, the general loan conditions of banks will be more stringent, and the review requirements will naturally be more stringent.
This means that the loan will not be issued after the first trial.
I want to buy a house recently, and my credit card still owes tens of thousands of dollars. Is it good to apply for a mortgage in this situation?
I want to buy a house recently, and my credit card still owes tens of thousands of dollars. Is it good to apply for a mortgage in this situation?
First of all, thank you for inviting me. I'm Kaka, focusing on credit card and banking, and I'm glad to answer your question.
Good credit information, worry-free mortgage
Judging from the description of the subject, it can basically be ruled out that the credit card mentioned by the subject still has tens of thousands of dollars in arrears, but the credit card bill has not been returned, or the tens of thousands of dollars owed by the credit card bill are not overdue. From this point of view, there should be no problem with the subject's credit reporting, so from the point of view of credit reporting, it has basically no impact on the subject's application for mortgage.
Reduce debt, loans are harmless.
The credit card owes more than 50 thousand, which is your debt. If the debt is too high, the bank will also consider whether the applicant is able to repay the mortgage when approving the mortgage. Therefore, Kaka suggested that if you want to successfully pass the bank mortgage approval, you should first reduce your debt, that is, pay off the credit card debt as much as possible before applying for a mortgage.
Banks are moving, so do it well in advance (digression)
It is very important to plan ahead before we do anything. To apply for a mortgage, you still need a bank flow. Many applicants were refused loans by banks because of poor capital flow. They all regret why they didn't do a good job of running the bank in advance. In fact, running water in banks is very easy to do. The so-called bank flow is the coming and going of accounts in the bank. You can reuse bank cards such as WeChat and Alipay, enter the bank cards that will be used in the future, and let friends and relatives operate these transfers. When the running water is done, it will be easier to get a loan.
To sum up, in view of the main problems, Kaka believes that it is beneficial and harmless to apply for a mortgage after paying off the credit card debt. Reducing debt will make banks feel that you are more able to repay your mortgage, and your mortgage will be easier to pass the examination and approval.
I'm Lord Kaka. Thank you for reading. Welcome attention. If you have different opinions, please leave a comment.
First, credit card arrears are part of liabilities, and there are no other liabilities except credit cards. Because credit card arrears are a common phenomenon now, don't worry too much, as long as you have nothing overdue, there will be no big problem. There is also whether your monthly quota has been used up.
Second, besides credit cards, are there any other liabilities, such as spending money and borrowing money? Especially borrowing money, many people will use it and recycle it. But a loan is a loan, not a credit card. It doesn't matter how you recycle your credit card. If you borrow once, you will find out more about the loan. Sometimes you may not borrow much, such as hundreds of thousands, but the bank will think that even borrowing this little money is a sign of your inability to repay.
Third, whether the credit card has been used for a long time and whether it was recently applied for also matters. If you have recently applied for a brush, it means that you are short of money recently, so where did you get the money to buy a house?
Fourth, look at the running water. Running water is simple, about twice your existing debt plus your monthly mortgage repayment. Of course, if you only have one credit card, and the amount is not too high, some banks can not regard the credit card as a liability. As for the determination of credit card limit, basically 20,000 to 30,000 yuan is not a debt.
Now the new credit system has been used. If your credit card is overdue, it will have an impact on applying for a mortgage. Whether you can pass the examination and approval depends on the overdue degree of your credit card and your own economic conditions.
Since you can apply for a credit card with a limit of tens of thousands of yuan, it shows that your economic conditions are still ok, so the key depends on the overdue situation of your credit card.
If these tens of thousands of dollars are spent in the current period, there is no record of overdue credit cards in history, which will not affect the application for mortgage. Just pay off the arrears before the stipulated repayment date.
If these tens of thousands of dollars have exceeded the repayment date, but the overdue time is not long, then you should hurry to raise funds for repayment, which will have a certain impact on the mortgage, but it will have little impact. Because the arrears of more than 90 days are long-term arrears, which has a great impact on the mortgage. Generally, this kind of serious overdue situation occurs, and banks will refuse to lend. If the overdue time is short, you can explain it to the bank.
Of course, it depends on whether you have a credit card overdue record before. In the previous credit information system, the credit card overdue record was 2 years, which means that there can be no credit card overdue record within 2 years. If you have overdue records for many times or a long time in the past two years, it will be very troublesome and the loan will basically fail.
If you have been in loans overdue for more than 90 days, but there are no other overdue records before, this situation is not very certain, and most banks may refuse to sign. However, you should also look at your own financial situation. If you are in Wang Sicong, it is estimated that the bank will lend you a loan. If you are still moving bricks on the construction site, it is unlikely.
It should be noted that the overdue record time of credit cards has changed from 2 years to 5 years, which means that if you are overdue now and pay off your debts today, the overdue record will disappear after 5 years. Therefore, whether you borrow it or not, you must cherish your credit.
Your topic is not clearly described. Do you mean tens of thousands of dollars in arrears or tens of thousands of dollars in current credit card overdraft balance?
If your current credit card is overdue, it is difficult to pass the mortgage approval.
Now go to the bank to apply for a mortgage, and the bank has strict requirements for credit information. For example, some banks require that if there are more than three overdue loans in the last year, it is basically impossible to pass, and banks may relax to four times. Some banks even require that they cannot be approved if they are overdue for more than two times in the last year; If it has not been returned for more than three months in the last two years, 100% refused the visa; If your current credit card is overdue, more than 80% will be rejected.
So you said you owe tens of thousands of dollars. I don't know if you mean the current overdue or the historical overdue. If your history is overdue many times, it will be more troublesome; If you are overdue at present, it is also very troublesome.
However, if your overdue time is not very long, such as within one month, there is still a lot of room for manoeuvre. In this case, the bank can lend you a loan by floating a higher interest rate, or ask you to provide the same borrower, and then you can continue to lend, but only if you pay off all the current debts. If you are currently overdue and overdue for more than one month, there is basically no way.
Your current credit card overdraft balance is tens of thousands of dollars, but it is not overdue. Whether you can pass the mortgage approval depends on your income.
It is normal to spend by credit card now, and banks all know about it. As long as there are not so many credit card overdrafts, the income gap with everyone is not big, and there is no overdue record, then this situation will generally not have much impact on the mortgage.
However, if your credit card overdraft balance is relatively large and your income is relatively small, the bank may ask you to pay off a large part of your credit card first, and then give it to you for approval.
Last year, for example, a friend of mine encountered a similar situation. When he applied for a mortgage, the bank saw through the credit report that his current credit card overdraft balance reached more than 300,000 yuan, but his monthly running water was only about 20,000 yuan, so the bank suspected that he had overdrawn his credit card as a down payment, and finally asked him to pay off most of the credit card overdraft balance before making a purchase. As a result, this buddy only borrowed more than 200,000 yuan from relatives and friends, paid off most of the bills, and finally passed the loan approval of the bank.
As for the situation mentioned in your topic, if your current credit card overdraft balance is more than 30 thousand yuan, whether this overdraft balance will affect your application for mortgage depends on your own income. If your monthly payment is relatively small but your income is relatively high, for example, the monthly bank flow reaches 20,000, but the monthly payment only needs more than 5,000, then most banks will basically not care that your credit card overdraft balance exceeds 30,000, and most banks can successfully pass the mortgage approval.
Of course, some banks may be more demanding. In order to pass the approval smoothly, they may ask you to pay off the overdraft balance of this credit card before approval. You have to communicate with the bank to know the details, because there are some differences in the mortgage approval policies of different banks.
Finally, I will give you some suggestions. If a bank can't pass the loan approval, you can find more banks. At present, many banks have different approval policies for mortgage loans, and different banks have different approval standards. For example, in some banks, if your credit is overdue for more than/kloc-0 times in the last year, it will not be approved, but in some banks, even if it is overdue for three times, it will still be approved. You can consult more banks.
Two days ago, I seriously asked my responsible friend about this situation. Tell you the current situation and mortgage application.
1. Now as long as the credit card is overdue, it will be submitted to the Credit Information Center of the People's Bank of China soon. Generally speaking, after the three-day grace period (from the date of bill repayment), as long as the repayment is still outstanding, it will be submitted to the Credit Information Center of the People's Bank of China on the fourth day, resulting in overdue credit card information. Recently, the supervision is very strict, and the bank and the People's Bank Credit Information Center are connected through a data interface, so they are directly transmitted in the form of electronic messages.
2. In the past, the credit card was overdue for a short time, and applying for a mortgage had little effect. Because banks pay attention to other factors besides personal credit information, such as housing property rights, evaluation, wage income, social security provident fund and so on. Even if there are overdue records on personal credit records, banks will consider other circumstances for approval and lending.
3. However, under the current situation of strictly controlling the real estate market and mortgage issuance, there will be stricter approval requirements for different regions and the first suite and second suite.
A. In areas where house prices are stable or slightly declining, even if personal credit information is flawed, as long as the overdue amount has been settled, the historical overdue amount is relatively small and the time will not exceed one month. The mortgage application is not affected.
B. In hot areas where house prices are rising, except for restricted areas. Personal credit information is flawed, just like the previous requirements, the approval of the first suite may pass, and the loan for the second suite may not be given.
C. In areas where purchases are restricted, if personal credit information is flawed, basically all banks will not pass. Including the first suite and the second suite.
4. At present, the right of mortgage examination and approval belongs to commercial banks for judgment, but it is subject to the window guidance and policy constraints of supervision. On the issue of whether to issue mortgage loans for personal credit defects, it is mainly the guidance and management of supervision, and commercial banks do not have much confidence.
At the same time, if personal credit information is flawed, even if commercial banks agree to issue loans, interest rates will rise. For example, for the first suite, others may apply for the benchmark interest rate, but those with defective credit information may need to go up 10~ 15%.
For bank credit, the quality of personal credit information is a key issue that directly determines whether to approve loans and determine the loan interest rate standard. In addition, whether the housing market in the purchased area is hot at this stage will directly determine whether the mortgage application is easy to be approved.
Credit card arrears, mortgage is not particularly good.
1, credit cards and debts will make the bank feel that you are short of money. Second, it will make the bank misunderstand that you will cash out your credit card and invest in the property market;
2. It is suggested that it will be much easier to pay off the credit card as soon as possible before applying for a mortgage;
3. You also need a good credit record; Good credit information will make the audit faster and get twice the result with half the effort;
Most of us now buy houses through loans, and it is very important that bank loans can be approved. If the loan cannot be approved smoothly, it will have a great impact on the purchase of houses.
I. Bank loan requirements
If you apply for a mortgage loan from the bank, the bank will ask the customer to provide relevant information and review the customer's repayment ability, mainly from the following aspects.
1. Identity information of the borrower
Borrowers need to provide personal identity cards, marriage certificates, household registration books and other identity materials, mainly to verify whether the borrower really exists, clarify the legitimacy of the borrower, and avoid fraudulent loans.
2. Credit information of the borrower
Banks will check the borrower's credit report, execution, big data and other information during loan review, and judge the borrower's repayment ability, willingness to repay and potential risks through these information. If there is too much debt in the borrower's name, it will affect the borrower's repayment ability; If there are some economic or other cases in execution, it will also affect the borrower's willingness to repay; Now big data is very developed. It mainly collects some micro-loan information of users, and can analyze users' private lending. Banks will review borrowers' big data before lending, just to judge whether borrowers have some private lending.
3, the borrower's income certificate
The borrower needs to provide personal income proof to the bank. Generally, the information provided includes proof of income, bank account, social security certificate, etc. If there is enough running water, it shows that the borrower has strong repayment ability; If there is little running water, the borrower's repayment ability may not be strong. These materials can be used to judge the borrower's repayment ability.
4. Purchase related information
When the borrower applies for a mortgage, he needs to provide the bank with relevant information about the house purchase transaction, including the house purchase contract, the down payment certificate, the landlord's real estate license, etc. Through the collection of this information, we can analyze the authenticity of the house purchase transaction, and through the analysis of the house price, we can ensure the rationality of the transaction. Therefore, it is very necessary to provide this information.
Second, the impact of credit card arrears on mortgage loans.
1, excessive debt
When the bank reviews the mortgage, it will analyze the customer's repayment ability according to the individual's assets and liabilities. If the borrower's debt is too high, then the bank will think that the customer's repayment pressure is high, which will affect the repayment of the mortgage. If you owe tens of thousands of yuan on your credit card before applying for a mortgage, it will increase your debt, and the bank will be stricter in loan review, which may also lead to the failure of loan approval.
2. Weak repayment ability
If you have tens of thousands of credit card debts under your name before applying for a mortgage, according to the bank's calculation rules for loan amount, the difference between monthly income and monthly repayment amount is the place where the customer's repayment ability is reflected. The average bank requires net income to exceed twice the monthly mortgage repayment. If you have tens of thousands of credit cards in your name, the debt needs to be converted into a certain monthly repayment amount, which may make the net income unable to meet the loan requirements.
So before you buy a house, the credit card has tens of thousands of yuan in arrears, which still has a certain impact on your mortgage application. If you don't want to affect your mortgage application, you can also pay back the credit card arrears to avoid the impact of credit card arrears on the mortgage.
I use my experience to answer questions. 20 17, down payment for a house, working in a state-owned enterprise, and good credit information. However, there is a problem when handling mortgage loans. The reason is that I owed more than 70 thousand on my credit card at that time. For the mortgage, I asked my friends and family to return the credit card, reprinted the credit report, and released the loan one month later. After the loan, I returned my credit card tx to my relatives and friends. Half a year before and after!
This year is the strictest year for credit investigation and the first year for policy implementation. Many property buyers do not pay attention to their own credit investigation, which leads to delays and points out that they cannot apply for loans. You can't apply for a loan if there are problems in the following points.
1. Credit card repayment is in arrears for a long time and is blacklisted.
The bank will remind the repayment many times when repaying, and if it fails to repay on time, it will be recorded as a bad repayment person. If you don't return it for a long time, you will be blacklisted.
Tip: Before buying a house, you must go to the local People's Bank of China to check your credit information. If you get married, you need both parties to check the credit information. If one party is not suitable, you can't apply for a loan.
Second, if I am in loans overdue, can't I get a loan to buy a house?
According to the current regulations, if there is a bad credit record within five years, it will be eliminated after five years. In other words, it is not appropriate for you to collect credit information within five years. You must wait until the credit information is eliminated after five years before you can choose to borrow money to buy a house, or borrow three or five times in two years (please consult the local banking department for details).
I hope the above answers can help you!
Now the credit card owes more than 200 thousand. I just bought a house with my savings today and am going to apply for a loan. I wonder if it will get stuck.
It's okay. Is it easy to pass? It's okay. Is the audit requirement high?
It's okay. Is it easy to pass? It's okay. Is the audit requirement high?
Credit card is a payment tool that many young people are using now. The overdraft function of credit cards allows people to buy their favorite goods in advance, but some cardholders enjoy swiping their cards without considering their repayment ability.
Once you don't pay attention to moderation, you may be confused for a while. At this time, many credit card users will choose some alternative products to repay their credit cards in order to avoid overdue. Among them, repayment tools are used by many credit card users. So, has the application number been approved?
Repayment is a joint venture between Chongqing Focus Microfinance Company and Shanghai Jihe, which mainly provides repayment services for credit card users. When credit card users encounter repayment difficulties, they can apply for loans through repayment.
After the loan is paid off, the funds will be directly distributed to the borrower's credit card account, and then the borrower can repay the loan on time.
The essence of repayment is personal credit loan, so when applying for credit card bill installment, the borrower still needs to meet the loan conditions before repayment, and the average user needs to meet the following three conditions:
1. The borrower has a credit card, and the credit card bill is more than 6 months before applying for a loan.
2. The borrower's personal credit account is good, and there is no credit card or loans overdue record;
3. The borrower needs to have the ability to repay the loan principal and interest.
As repayment is a loan product, borrowers need to provide more information when applying for loans on the repayment platform. After the borrower fills in relevant information according to the repayment system and submits it, the system will comprehensively evaluate the information submitted by the user and the borrower's personal credit status through big data. When the evaluation results meet the repayment conditions, the system will lend money to the user.
From the feedback of users, the review of repayment is still relatively strict, but if the borrower's personal credit status is good, he has the ability to repay the principal and interest of the loan, and his qualifications are good enough, then it is easier to pass the loan in repayment.
However, if the borrower's personal credit is bad and his repayment ability is insufficient, the loan may be rejected. Generally speaking, whether it is easy to pass depends mainly on the borrower's own qualifications.
Are housing loans generally handled well?
Buying a house loan is generally easy to handle. The key is to look at personal qualifications. Here are some suggestions on mortgage, hoping to help:
Pay attention to the family's financial affordability. It is recommended that one husband and wife bear the mortgage and the other bear the economic expenses, which is the best. Excessive loan amount will affect the quality of life. Loans are divided into three types: pure provident fund, pure commercial loans and portfolio loans;
If conditions permit, it is best to choose a pure provident fund loan. The interest rate is much lower, and the repayment can be deducted directly from the provident fund, which is convenient. However, the requirements for provident fund loans are relatively high. Apply for a loan amount according to your monthly repayment amount, and the house needs a fixed number of years. Some old second-hand houses are not allowed to lend. Commercial loan terms are relatively wide. The choice of bank loans depends on many aspects. Generally, large banks with the highest interest rate concessions and certain strength are selected.
There are many repayment methods, such as equal repayment and equal principal repayment. The longest loan period is 30 years. Second-hand housing loan period is calculated according to the construction time. Some second-hand housing loans have a short term, so you should ask the bank clearly.
One thing to pay attention to when buying a house with a loan is how long it takes for the bank to approve the loan amount applied for. If you are eager to buy a house, you'd better ask the bank. It will take a year to meet the bank's financial shortage. If two people have housing provident fund, they can borrow money from each other's provident fund, which can reduce the pressure and burden at home, and the funds can also be turned around, so that more money can be left in their hands and invested in other places. If you use the housing provident fund, the interest will be quite small.