It doesn't matter. Credit cards can be used normally during the mortgage period. However, it should be noted that in the process of mortgage processing, do not use credit cards for single large consumption. A single large consumption may make the bank suspect that the lender pays the down payment with the credit card limit, thus affecting the loan approval. Because the state has regulations prohibiting credit card funds from flowing into the real estate market.
According to the severity of overdue credit, it can be roughly divided into the following two situations:
1. Only one or two credit cards have expired.
Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above.
Solution: Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential loans in some banks, so choose the one with the lowest interest rate.
2. The credit card is overdue for three consecutive times or six times in two years.
Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.
Solution: Find overdue and timely repayment, and keep good repayment records in the next 24 months, and cover up bad records with good records.
It is worth mentioning that if the cardholder forgets to repay, he should apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline. When the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank to apply for cancellation of the overdue record. It is also feasible, provided that the quantity is not too large. Usually, bad credit records will be retained by the central bank's credit information center for 5 years, and will be deleted after 5 years. However, once the credit stain occurs, even if it is unintentional, it will not be eliminated within 5 years, so remind you to pay attention to your credit history.
Does credit card (debit card) consumption affect mortgage?
If the amount of credit card (debit card) consumption is too high, resulting in an increase in personal debt ratio, then it will affect the mortgage. However, the consumption amount of credit card (debit card) is not high, and the personal debt ratio has not risen, so the consumption behavior of credit card (debit card) will not affect the mortgage. Whether credit card (debit card) consumption will affect the mortgage depends on the reply given by the bank.
When the bank thinks that excessive consumption of credit cards will affect the mortgage, it will require users to pay off their credit cards in advance before applying for a mortgage.
Does credit card affect mortgage? Reveal the relationship between credit card and mortgage!
Nowadays, people's requirements for living standards are increasing day by day, and the pressure of life is also increasing. In this case, people who need to spend in advance will apply for a credit card, and those who need to buy a house in advance will apply for a mortgage. A friend wants to apply for a mortgage after applying for a credit card. So, does credit card affect mortgage? Here, I will reveal the relationship between credit card and mortgage.
Generally speaking, credit card will affect mortgage, but the influence is both positive and negative. Therefore, we need to treat the relationship between credit card and mortgage dialectically.
positive impact
1. After handling the credit card, everyone will leave a lot of loan records during the use. If everyone can always repay in full and on time, they will accumulate a lot of good records for themselves. When you apply for a mortgage in the future, you will increase your trust because of these records.
2. If you apply for a mortgage in a bank that handles credit cards, it will be better to apply for a mortgage, because a good credit card use record in the past will increase the bank's trust in everyone.
After using the credit card, everyone will develop a certain repayment habit, which is very beneficial to repay the mortgage in full and on time in the future.
negative impact
1. In the process of using the credit card, some friends will have overdue or illegal cashing. These bad records will be presented in the central bank's credit report. In the process of applying for a mortgage, these credit stains will become a stumbling block for everyone to pass the loan review.
2. In the process of using credit cards, some friends will not only overdraw their consumption, but also apply for some cash loans. These loans will greatly increase everyone's repayment pressure. If you apply for a mortgage before the loan has been paid off, you are likely to be refused a loan because of insufficient repayment ability.
3. If you apply for a large number of credit cards, it will be considered abnormal by the bank and have a negative impact on the mortgage.
Generally speaking, credit cards will affect mortgages, but the positive or negative impact depends on how people use credit cards. It will be easier for people with a good credit card record to apply for a mortgage.
Will the use of credit cards affect the mortgage?
1. As long as there is no serious overdue credit record or high debt, it will generally not affect the mortgage.
2. Cardholders must remember to repay in time after spending by credit card. Don't let personal credit information be affected because they don't repay in time, and you can't approve loans to buy a house or a car because of personal credit information problems. Banks will comprehensively look at the borrower's personal income, bank flow, debt ratio, credit information and other aspects to examine the lender's credit, and will also consider the loan amount of the borrower's overdraft debt. The higher the debt ratio, the worse the borrower's repayment ability, and banks generally refuse to provide mortgages to people with high debts.