In terms of food, clothing, housing and transportation, a house is a relatively important asset. After all, many people spend their entire lives just to buy a house. Most people will choose a mortgage loan to buy a house, so what level of credit is required to apply for a mortgage loan? Different banks have different regulations. Many people have summarized the following strategies. I hope it will be helpful to everyone.

1. China Construction Bank 1. Default on loan principal in installment repayment or interest payment for more than 3 consecutive periods (inclusive) or accumulatively for 6 periods (inclusive); 2. Default on loan principal in one-time repayment upon maturity The payment or interest period is more than 90 days (inclusive); 3. The customer’s status in the People’s Bank of China’s personal credit information system or in China Construction Bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.) is overdue, or 12 There was one bad record of being overdue for more than 90 days within a month. If there are any of the above serious breaches in the credit report, CCB will directly reject the mortgage application, and you must use other methods or try changing banks.

2. Industrial and Commercial Bank of China: The current number of overdue periods for personal consumption loans within 24 months is ≥ 6 months; the current number of overdue periods for personal housing loans within 24 months is ≥ 12 months. ICBC also has very high credit reporting requirements. Please be sure not to be overdue for too long, otherwise it will be difficult to repair.

3. Agricultural Bank of China requires borrowers to have “good loan credit records and no outstanding loan principal and interest” before it can grant loans.

4. In the credit record of the Bank of China credit card in the past 3 months, there are 2 overdrafts that exceed the interest-free period for one month, one overdraft that exceeds the interest-free period for two months, and a quasi-credit card. Overdrafts that exceed the interest-free period for three months will be directly rejected if one of the above conditions occurs.