Under normal circumstances, using Huabei will not affect your application for a mortgage. Although Huabei is also a consumer loan, it has not yet been fully connected to the central bank's credit report, so its loan records, repayment records, Overdue records cannot be found on credit reports. It should be reminded that just because Huabei is not connected to the central bank’s credit report, it does not mean that it will not affect personal credit. Alipay is one of the shareholders of Baihang Credit Information, so normal use of Huabei will generally not affect the mortgage loan. If Huabei does not repay on time and causes overdue payment, it will still affect personal credit.

In other words, if Huabei users repay their mortgages on time and in full, it will not affect their mortgages. If they are overdue and do not repay for a long time, it will affect their personal credit, and in serious cases, even Will affect housing loans. If you don’t want your mortgage to be affected by using Huabei, it’s best not to be overdue for more than one month.

In general, lending institutions will see your record of using Huabei when reviewing loan applications, including home loan applications. Because when applying for a loan to buy a house, the bank will check the applicant's credit report. In addition to checking whether it is overdue, it will also check whether there are credit loans, consumer loans, etc. in the applicant's name. If you want a smooth loan application, it is best not to Overdue.

Things to note when applying for a home loan

1. Pay attention to loan qualifications

Not everyone is eligible to apply for a bank loan. First of all, home buyers must look at themselves Does it meet the local house purchase conditions? If you are not qualified to buy a house locally, the bank will not accept the loan application. For example, some cities have restrictions on home purchases and do not support loans for second or third homes, or they do not support residents with foreign registration to buy houses in the city. Different cities have different requirements for home purchase qualifications.

2. Prepare information in advance

If you want to buy a house with a loan by one person, a couple with a loan, or a partnership with a partnership, you need to prepare different loan information. Providing true and complete loan information is the first step in the application. Necessary conditions for bank loans. Under normal circumstances, you need to prepare a copy of your ID card, household register, marriage certificate, income certificate and bank statements, a copy of the home purchase contract and a down payment invoice. Some banks are strict in approving loans and will also require home buyers to provide academic certificates. .

3. Pay attention to loan methods

There are currently three main loan methods. Provident fund loans have the lowest interest rates, but they are also the most complex. Provident fund loans are limited to employees of units who have paid housing provident funds, and there are many restrictions. If a home buyer wants to use a provident fund loan to purchase a house, it is best to confirm with the developer or the local provident fund management center in addition to submitting a loan application. Take a look to see if you meet the conditions for use.