What's the impact of personal credit information on the loan to buy a house
When we submit a loan application to the bank, the bank will ask us to provide a personal credit report to judge whether we can get a loan. (Personal credit report and personal credit report are the same concept, and personal credit report is the common name of personal credit report. )
If our credit status is good, we may get preferential treatment, while those with overdue records may have to raise prices or even fail to get loans. It can be said that the personal credit report is a personal economic identity card.
In the report, the bank will judge the borrower's repayment intention by looking at the "historical repayment record" in the credit report. Check the "number of loans" and "external guarantees" to judge whether to approve loans and the amount of loans. If the credit is good and the bank line is abundant, the lending speed will be faster. If there are overdue records, banks will be more cautious in lending, which is not conducive to obtaining loans or increasing the cost of loans.
What's the impact of poor personal credit information
1. It affects loans and credit cards
I believe everyone can understand this well, which is the biggest impact of personal credit information. First of all, the credit cards we usually use and the loans we apply for when buying a house are all applied to the bank, and the bank attaches great importance to personal credit information. If personal credit information is tainted, then the bank is likely to directly reject your loan and credit card application. Then when you need money badly, people around you can't help you. Where can you borrow money?
2. Affect work
For some people whose personal credit information is very bad, personal credit information will also affect their work. With the status of credit reporting becoming higher and higher in the lives of ordinary people, some banks, financial institutions, institutions and large enterprises have also begun to inquire about credit reporting. If you want to make a big breakthrough in your work or jump to some big companies, these companies will also look at your credit status. How can a person have a great sense of responsibility if he doesn't even have basic integrity?
3. Influence on life
In addition to personal credit reporting, our daily life will also be affected by credit reporting, and the scope of personal credit reporting is getting wider and wider. There have been news before. Alipay's sesame seed application scenarios are very wide. Renting a house, renting a car and staying in a hotel are free of deposit, which can also be used in future blind date. This is also a manifestation of credit, and credit has been integrated into our daily life. It can be seen that personal credit investigation will definitely be taken seriously in the future, so it is the key to maintain credit from now on.