Hello, yes, those with bad credit records choose to apply for mortgage loans. In contrast, if they have a bad credit record, the chances of getting a mortgage loan will be higher.

Under normal circumstances, if you want to apply for a mortgage loan directly from the bank, it is easier to be audited by the housing mortgage loan. If the borrower's credit is overdue for no more than three times or for no more than 90 consecutive days, it is more likely to get a loan through the loan company if he provides the house as collateral and ensures that all procedures are complete.

In addition, if the borrower wants to get the loan as soon as possible under the condition that the conditions are not very good, he can also apply for the loan directly through the local loan company or loan intermediary.

Hope to adopt. Thank you.

2. Can I apply for a provident fund loan if my credit card has a bad repayment record?

The management center has regulations on whether the credit record affects the provident fund loan in line with the local actual situation, mainly in the following three situations:

1. After the bad credit record exceeds a certain standard, you cannot apply for provident fund loans;

2. As long as you meet the conditions for provident fund loans, you will be eligible for provident fund loans. The credit rating of provident fund loans is evaluated according to individual occupation, deposit base and provident fund balance;

3. According to the loan interest rate.

Extended data:

The provident fund loan process is as follows:

1. Borrowers need to submit a written application to the bank to apply for provident fund loans.

2. Fill in the provident fund loan application form.

3. Banks are audited and submitted to the public.

4, provident fund center for examination and approval, and inform the bank of the examination and approval results.

5. The applicant goes through the loan procedures.

6, for real estate mortgage registration.

7. Issue loans.

8 provident fund loans shall not exceed 70% of the total housing price. The loanable amount of each provident fund loan is determined by the lowest value according to the maximum amount of provident fund loans in this Municipality, the calculation formula of loan amount, the down payment ratio and the repayment ability coefficient.

3. Does credit card debt affect provident fund loans?

Credit card arrears will affect the approval amount of provident fund loans. Paying off the credit card debt before the loan is conducive to the approval of the housing provident fund loan.

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

Provident fund loan process:

1. The borrower applies for a loan at the acceptance branch;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

4. sign a contract;

5. Ratification;

6. The real estate trading center shall handle the mortgage registration procedures;

7. Bank loans.

4. Can I apply for a mortgage loan if my credit card has a bad record?

Credit cards with bad records can also be loaned, and the bank's review of credit information mainly depends on overdue conditions. In general, the requirements of bank loans for credit investigation are: at present, there can be no 1 overdue, no two overdue within half a year, no two overdue in a year, no three overdue in a row and no six overdue within two years.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.