Common case 1: the credit card is tainted and it is impossible to borrow money to buy a house. Now many people have several credit cards in their hands, and many people in the "card family" have the habit of overdrawing. After they spend their cards quickly, they often ignore the credit problem. Miss Liu's experience is one of the typical cases. Miss Liu took a fancy to a house in Jinshazhou this year, but when she sent the information to the bank for approval, she was told that it was a "forbidden customer" of the bank on the grounds that she was in arrears with the credit card overdraft, which had been classified as bad credit. Miss Liu remembered at this moment that she had received a lawyer's letter from the bank credit card center two years ago because her credit card overdraft failed to repay in time. Later, although I paid off my debts, I was stopped using my credit card. Expert's suggestion: It is understood that credit card overdraft arrears are divided into unintentional arrears and malicious arrears. Some people apply for several credit cards on impulse, but often only use one, and other credit cards that are not commonly used are forgotten and become "dormant credit cards". Since the credit card has to pay an annual fee, when the balance in the credit card is insufficient, the annual fee deducted by the bank becomes an overdraft. It is easy for many cardholders to ignore this problem. If it accumulates in the long run, it will destroy the credit status of cardholders. Careless will become an obstacle on the road to mortgage. What should I do if my credit card is stained due to overdraft? The manager of the third branch of Guangzhou Industrial and Commercial Bank told the reporter: "In this case, the credit card holder can apply to the issuing bank for a credit certificate." The issuing bank will judge whether to issue a credit certificate through various documents provided by the credit card holder. In addition, when the credit card is not cancelled, the cardholder can use it continuously for more than 2 years and keep a good repayment record, which may improve his credit. However, it is worth noting that if the card has been cancelled and a lawyer's letter is received, many banks generally do not lend money to it for life. Common case 2: What should I do if I can't get a loan after buying a house? The extension of mortgage makes some customers who trade second-hand houses very embarrassed. Some signed the contract, paid the down payment, went through the transfer formalities, and the bank loan passed the examination and approval but failed to pass the quota. The last family usually doesn't get the money and the house hasn't been disposed of. If you don't get a house next time, you're afraid to ask for a fine when you go home. Mr. Li is such a distressed person. In April this year, Mr. Li sold a second-hand house worth 900,000 yuan. The buyer made a down payment of 400,000 yuan to Mr. Li, and submitted application materials to a bank for a loan of 500,000 yuan. As the buyer was in a hurry to transfer the ownership, Mr. Li went through the transfer formalities. However, three months later, the loan has not arrived. "What if the loan doesn't come yet?" Mr Li is in a hurry. Experts suggest: "First of all, it depends on whether the buyer's loan has passed the approval of the bank." The relevant person in charge of the mortgage company believes that if the loan has been approved, Mr. Li will have to wait patiently for the loan. If not, Mr. Li Can will coordinate with the buyer to pay the balance again. If the buyer can't pay the balance, he can only terminate the contract according to the relevant terms of the contract. The chief lawyer of a law firm analyzed that the specific breach of contract in this case depends on the relevant provisions of the second-hand housing sales contract. Generally speaking, if the bank loan cannot be processed due to the buyer's personal reasons, the buyer may not be liable for breach of contract. In this case, it is suggested that the buyer can negotiate with the seller to terminate the contract, and the seller will refund all the money paid by the buyer. According to relevant regulations, banks have the right not to issue loans to lenders that they consider unqualified. Therefore, in this case, the bank is not responsible. If the owner thinks that the buyer is in breach of contract, he must show the relevant agreement of the second-hand house sales contract. If there is an agreement, it can be handled according to the agreement. If there is no agreed penalty, the buyer has the right to refuse to pay the penalty.

Legal objectivity:

Article 33 of the Measures for the Registration of Houses To apply for the registration of the transfer of ownership of houses, the following materials shall be submitted: (1) an application for registration; (2) the identity certificate of the applicant; (three) all of the housing or real estate ownership certificate; (four) materials to prove the transfer of ownership of the house; (5) Other necessary materials. The materials mentioned in Item (4) of the preceding paragraph may be sales contracts, exchange contracts, gift contracts, bequests, inheritance certificates, division agreements, merger agreements, legal documents that come into effect by the people's courts or arbitration committees, or other materials that prove the transfer of house ownership.