Chengdu housing mortgage loan is untrustworthy. According to relevant information, Chengdu real estate mortgage loan, mortgage house for the second time, regardless of the credit information, is a one-time payment in the world. First, the house in Chengdu needs to have a real estate license, and the full amount can be mortgaged in any institution, bank or private sector. At present, the mortgaged house can only be mortgaged in Chengdu, regardless of credit information and assets.

Do you need credit information for mortgage loans?

First, check the credit of mortgage, because banks attach great importance to the credit of borrowers. General banks will check the borrower's credit information when approving loans, that is, check the borrower's credit status. Even if the mortgage loan is secured by collateral, banks should check the credit status and confirm whether the users who have passed the loan approval have applied for mortgage loans in banks and other financial institutions. These financial institutions must first look at the credit records of borrowers. If the borrower's personal credit record is bad, the bank's approval will be difficult to pass. Therefore, only if you have a good personal credit record, it is easier to get the approval of bank loans, because banks will think that such borrowers have good repayment ability and credit guarantee. Two. Users who usually go to the bank to apply for mortgage loans need to meet the following conditions: 1. Users must be at least 18 years old and have full capacity for civil conduct; 2. Have a stable source of work and income and strong solvency; 3. The user's personal credit information is in good condition and there is no overdue bad credit information record; 4. Users can provide collateral recognized by banks, which can have certain market value. Usually, when the bank approves, it will find a special evaluation agency to evaluate the value of the borrower's collateral. 3. At present, residents can check their credit reports in the following ways: 1. When applying for a loan, go to the loan bank to inquire; 2. If you go to the local people's bank for inquiry, you need to bring your ID card and a copy, and fill in the relevant inquiry application issued by the people's bank. In general, the query results will come out within 2-3 working days: 3. Log in to official website, Credit Information Center of China People's Bank, and enter the Internet personal credit information service platform for inquiry. You need to register and verify before you can query.

Datong, where can I apply for a mortgage loan without looking at the credit information?

Sorry, under the current circumstances, in Datong, there is basically no mortgage without looking at the credit information. Generally, when applying for a housing loan, the applicant's work certificate, financial certificate, credit report, etc. Both are necessary, and the credit report is an important document to reflect the personal credit record and credit status. In other words, banks and finance companies should use credit information as a basis to review and determine the applicant's credit rating. Therefore, when applying for housing loans, banks and financial companies will not issue mortgages without looking at credit information.

Do you need credit information for mortgage loans?

Do you need credit information for real estate mortgage loans?

Housing mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit history is blacklisted, you can't mortgage the loan, and the husband and wife influence each other.

I. The process of real estate mortgage loan is as follows:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Two, when applying for a housing loan, you need some relevant documents to prove that it mainly includes the following parts:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is necessary.

Lender requirements

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

The mortgage of a house depends on reliable credit information.

No, at present, domestic regular commercial banks need to check the applicant's personal credit record, and no bank can lend without checking personal credit. Every bank has different requirements for personal credit information, and all banks in China have similar requirements for credit information records. Usually the overdue time cannot exceed 6 months. If the overdue situation is serious, the loan application is likely to be rejected directly. Extended information: Loans refer to loans issued by banks, credit cooperatives and other institutions to money-using units or individuals, with interest and repayment date generally agreed. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending to banks, centralized money and monetary funds can meet the needs of society for expanding supplementary funds for reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage, also known as personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase and a loan guarantee approved by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-built housing, and may not be used to buy luxury houses. Personal housing portfolio loan is a loan issued to the same borrower for the purchase of ordinary housing, which is a combination of personal housing entrusted loan and self-employed loan. In addition, there are housing savings loans and mortgage loans. The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of mortgaged property, ownership certificate and the certificate that the authorized person agrees to mortgage or pledge; Collateral evaluation certificate issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

Do you still look at credit information for mortgage loans?

Housing mortgage loans need to be checked for credit information, mainly because banks need to comprehensively determine the loan amount through personal credit information, and personal credit information records indirectly reflect the borrower's personal repayment ability. Personal credit is a corresponding relationship between creditor's rights and debts, that is to say, the lender believes that the borrower has the ability to repay and agrees with his commitment to future repayment.

In addition, if the borrower's credit information is blacklisted for a long time, he can't apply for a loan in the bank.

What should I pay attention to in mortgage loan?

1, whether the credit history is good.

The biggest difference between mortgage loan and other loans is that when the borrower fails to repay the loan for a long time and has to do it, the bank will auction the mortgaged house to make up for the economic losses. Therefore, when banks approve mortgage loans, they will pay special attention to the credit records of borrowers and generally choose borrowers with good reputation to cooperate.

2. Can I mortgage the property in someone else's name?

In addition to the property in my name, the property provided by the borrower in the name of others can also be recognized by the bank. However, in order to avoid the occurrence of laws, it is necessary to obtain the consent of the owner of the house when mortgaging the property under the name of others, and at the same time issue relevant application materials for agreeing to mortgage, so that the bank can have no doubt about this.

3. Does the mortgaged property have liquidity?

Generally speaking, the property mortgaged to the bank must be realized, otherwise the bank will not accept your application. For example, you are going to mortgage a set of dangerous houses that are about to collapse for more than 40 years to the bank. You're not looking for a loan! It's strange that the bank gave you a loan! Generally speaking, there are several kinds of houses with poor liquidity, which are generally difficult to be recognized by banks.

4. Is there enough repayment ability?

When approving loans, banks will not only consider whether the borrower's credit record is good, but also examine whether the borrower has sufficient repayment ability. Therefore, if you don't have a stable job, or can't provide proof of income and work, or can't provide bank running water, you will generally be recognized by the bank as a person with worrying repayment ability, and you are not eligible to apply for mortgage loans or even other loans.