It is very difficult to apply for a loan again because the loan has not been returned in time for more than three times. The core is to see if you have applied for or applied for a bank loan yourself.
2. The credit of our bank is defective (bad debts for 5-6 years), and it is still being paid. Can I get a loan?
It is very difficult to apply for a loan again because the loan has not been returned in time for more than three times.
The core is to see if you have applied for or applied for a bank loan yourself.
There was a bad credit card record three or five years ago, and it has been paid off for more than five years. Can I apply for a mortgage normally?
There was a bad credit card record five years ago, and it has been paid off for more than five years. Whether you can apply for a mortgage normally depends on the situation. If you have a bad credit record, you can't get a loan or apply for a credit card for five years. Only after five years, the bad credit record is deleted, and the loan can be obtained. If there is still a bad record afterwards, it won't work. The requirements for applying for a mortgage are as follows: 1, with urban permanent residence or valid residence status; 2, a stable economic income, good credit, the ability to repay the loan principal and interest; 3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; 4. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses; 5. Having assets mortgaged or pledged by the loan bank, or having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lending bank. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, then the bank can issue written documents and credit certificates that are willing to provide guarantees. If not, you need to go to a professional guarantee company to provide guarantee, and the fee paid at this time is the mortgage guarantee fee.