1. Does the consumer loan affect the mortgage?
As long as there is no consumption loans overdue phenomenon, it will not affect the mortgage, but also help to apply for a mortgage. Because the consumer loan is not overdue, you can improve your personal credit score in the bank. The higher the credit score, the better the personal qualification and the better the application. However, consumers in loans overdue cannot apply for any loans within six months.
Second, what should mortgage to buy a house pay attention to?
1. Apply for a mortgage according to your ability.
When applying for loans, many people think that the more loans, the better, but the opposite is true. Because the higher the loan amount, the greater the pressure of subsequent repayment. For example, the more the loan amount and the longer it takes, the more interest needs to be repaid and the longer it takes.
2. Prepare loan information in advance.
When you make a loan, you should prepare the information in advance, so that the loan will be faster, including identity certificate, social security related certificate, house purchase contract, etc. Secondly, if the lender's credit card has a bad record, it must be eliminated before it can be processed or relevant certificates can be issued.
Provide true information
When applying for a loan, you need to provide real materials. If false information is subsequently found by the bank and the circumstances are minor, the bank will no longer issue loans. If the circumstances are serious, not only can you not borrow any more, but you should also bear the responsibility for breach of contract and pay a certain penalty.
4. Clear the repayment method in advance.
When making a loan, you must first know the repayment method, including equal principal and interest repayment and equal principal repayment. The interest of the latter will be less, but the monthly payment ratio is higher in this way. The interest rate of the former will be higher, and the monthly repayment pressure will be less.
5. Don't use the provident fund before applying for a loan.
You can't move the balance in the provident fund before applying for a loan. If the provident fund is used before the loan, the balance will be cleared, which means that the provident fund loan can no longer be used.