According to the regulations of the central bank, each person has the opportunity to inquire about personal credit information for free twice a year, and 25 yuan service fee is charged for inquiring for three times or more. According to the Central Bank's Regulations on the Administration of Credit Information Industry, personal bad credit records are kept for five years and automatically eliminated after five years.
What information does the personal credit report contain?
1, personal basic information
It contains personal identification information such as the name, age, gender, work unit and contact address of the recorded person.
2. Bank credit
This item will record every credit card and loan business in detail and show the debt history of the parties in detail. The bank will analyze the consumer preference and behavior of the loan applicant according to this item, and analyze the repayment ability from his repayment willingness. It should be noted that when banks approve mortgages, they will generally check the loan business within five years and the credit card business within two years, and the strict bank review cycle may be longer.
3. Non-bank credit
Mainly refers to the applicant's communication, water and electricity, gas, tax payment, law enforcement and other public information.
4. Objection record
If the parties have any objection to the content of the credit report, they can reflect it in this part by adding a statement, which is also reflected in the credit report.
5. Number of queries
This section is a summary of all inquiry records in the past 6 months.
What behaviors will affect credit reporting?
1, credit card or loans overdue record.
If the applicant's credit card and loan are overdue for three consecutive times or six times, the bank will refuse the loan. Even if the overdue amount is small and the number of times is small, it may increase the down payment ratio and loan interest rate and reduce the loan amount. Especially in the period of tightening credit policy, the bank's credit review of lenders has become more stringent. You should cultivate the habit of repaying in full and on time.
2. There are too many credit cards.
If the buyer has multiple credit cards, the bank will suspect that he has a card maintenance card. At the same time, multi-card means that the risk of excessive debt ratio increases. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets.
The calculation formula is: debt ratio = total liabilities/total assets.
For example, if your monthly income is 5K, but your credit card and other loans add up to 3K, then your debt ratio is =3000/5000=60%. Generally, it is safe to control the debt ratio at around 50%, and the highest debt ratio is no more than 60%. Different banks have different regulations on debt ratio, and looser banks have room for lending if the debt ratio does not exceed 50%. The strict bank regulations that the debt ratio exceeds 30% are all manifestations of insufficient repayment ability, and the possibility of lending is almost zero. Therefore, according to the different regulations of banks, loans can be obtained as long as they are within the scope of their security responsibilities.
Buyers are advised to contact bank customer service to cancel unused credit cards and reduce the number of credit cards.
3. There are arrears and taxes in the public information.
In some cities, the arrears of public utilities are recorded in credit reports. If the applicant owes water, electricity, gas and mobile phone communication fees and is recorded in the credit report, the loan will be refused in serious cases, and the down payment ratio and loan interest rate will be increased in light cases, and the loan amount will be reduced.
4. Too many credit inquiries.
If the parties make more inquiries (more than 6 times) within half a year, and there is no record of loan lending or credit card issuance, the bank will think that their qualifications are poor, which will affect the mortgage issuance.
Generally speaking, too much credit information will affect the mortgage application. During the period of policy tightening, it is necessary to avoid the above-mentioned behaviors that affect credit reporting.
(The above answers were published on 20 17-04- 14. Please refer to the current actual purchase policy. )
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