Although the income of China residents has increased a lot, there are still some families who can't afford university tuition. Therefore, many friends need to apply for student loans to successfully complete their studies. . A friend who has already gone to work asked: Does the ICBC student loan have an impact on the mortgage? I will answer your questions today.

Judging from the current situation, ICBC's student loan has a certain impact on mortgage, but it is not all negative, depending on the specific situation. Tell you about the positive and negative effects.

positive impact

If everyone can repay the ICBC student loan in full and on time in strict accordance with the regulations, then they will accumulate a good loan record for themselves. When you apply for a mortgage, good loan accumulation in the past can give you extra points.

negative impact

1. If everyone's current income is limited, repayment ability is not very strong, and ICBC's student loan has not been paid off, then the bank will think that the borrower may not be able to repay in full and on time, thus rejecting the borrower's mortgage application.

2. If the borrower has an overdue record in the process of returning the ICBC student loan before, it may have a negative impact on the mortgage application. Generally speaking, it will be better to apply for online loans after the negative records are eliminated.

3. If the borrower currently has a student loan from ICBC that has been in arrears and has formed bad debts, it is very difficult and almost impossible to apply for a mortgage.

Generally speaking, the student loan of ICBC has an impact on the mortgage, but whether it is positive or negative depends on the actual situation of the borrower.

There is a student loan that affects the mortgage.

The income level far exceeds twice the monthly payment, and it will not affect the approval and lending of mortgage if the student loan is not overdue; The income level is far more than twice the monthly payment. In the case of helping loans overdue students, it will affect the approval and lending of mortgage loans.

The income level is less than or equal to twice the monthly payment, which will affect the approval and lending of the mortgage if the student loan is not overdue. The income level is less than or equal to twice the monthly payment, which will affect the approval and lending of mortgage loans in the case of studying in loans overdue.

If you study in loans overdue, it will definitely affect the approval and lending of mortgage loans. If the student loan is not overdue, it will not necessarily affect the approval and lending of the mortgage. If the applicant needs to analyze the specific situation, he should consult the bank for specific matters, subject to the bank's loan regulations.

There is a student loan, which means that the applicant has debts under his name. Banks are sensitive to liabilities. If the applicant has liabilities, it means that the applicant is at risk of not being able to repay in full and on time. In order to avoid risks, banks may refuse to grant loans to applicants, or the amount of loans granted is low.

Personal credit report is the material that the applicant must provide to the bank when applying for mortgage. If there are overdue records in the applicant's personal credit report, it will affect the applicant's mortgage business.

Do you still score?

Will assistance to overdue loans affect mortgage loans? You will understand after reading it!

Student loan is a kind of welfare given by the state to poor students and one of the most favorable loan products. Many students from poor families successfully completed their studies through student loans, but some students failed to repay their loans in time for various reasons. So, does studying in loans overdue affect the mortgage?

Student loans are issued by banks and belong to bank loans. If it is overdue, it will definitely leave a bad record, and the bank loan will check the personal credit report. Therefore, once they are overdue or overdue, it is difficult to approve the mortgage.

Banks usually check the credit status of credit reports for two years. If we want to completely eliminate this overdue record, it will take more than five years. Therefore, you must contact the bank for repayment, and you may also have to pay liquidated damages, interest and handling fees.

In addition, because many students and friends don't know about student loans, they can't contact the bank for their own reasons. After a long time, the debt may become bad debts, so you need to contact the bank and go to the People's Bank for credit coordination after repayment to turn bad debts into settlement. Otherwise, bad debts will definitely be blacklisted by banks, and more than 99% of mortgages will be rejected.

So, will loans overdue's one-off assistance affect the mortgage?

The influence of overdue is not only related to the number of times, but also depends on the overdue amount and overdue time. If the borrower fails to repay the loan in time due to special reasons, such as going abroad after graduation and failing to notify the repayment in time, he can go to the bank to issue relevant certificates and have the opportunity to eliminate bad records.

To sum up, personal credit reports are very important records and should be carefully maintained. This is the requirement of institutionalization and information age, because it can always remind you to be responsible for your actions.

Will the outstanding student loan affect the mortgage?

Will affect. The student loan is not paid off, that is, the borrower is overdue, which will produce a bad credit record. The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation.

Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.

Extended data:

Precautions for outstanding student loans:

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment.

2. The handling bank will input the personal basic information and repayment of the graduated students into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. If the graduates of the national student loan break the contract seriously, it will affect them to apply for other personal consumption credit from financial institutions.

3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will announce the borrower's name, citizenship number, graduation school, specific breach of contract and other information through news media, internet and other information channels.

4. The defaulter shall bear relevant legal responsibilities.