72 people followed 0 comments.
Write an answer
Wuxi financial consultant Xu
Requirements of bank real estate mortgage loan for credit investigation
generally speaking
Overdue: there can be no current overdue, three consecutive years and six consecutive years (that is, there can be no number 3. Accumulated no more than 6 times). No historical principal is overdue
Query: Do not query four times in the last two months, five times in the last three months, and five times in the last six months 15.
Number of online loans: it is best not to exceed 5.
Liabilities: The credit liabilities shall not exceed 500,000 yuan, and the total liabilities shall not exceed 5 million yuan (in households).
Credit card: The utilization rate of credit card shall not exceed 80%.
exceptional case
Overdue: no more than 12 times in recent 2 years, no principal overdue, no number 4.
Two years later, there was no 7th (but the principal was more than 700,000 yuan overdue for one year, and wuyue did it. This depends on the qualification of the customer. You must have the same thing, just like our blind date, you can't have nothing, looks, personality, family, at least the same)
Inquiry: Some banks don't pay attention to inquiry, and don't inquire 10 times a month, so it's hard to do it. Banks are not charitable organizations and will not easily become recipients.
Number of online loans: it is best not to exceed 8, and some banks require online loans to be settled.
Liabilities: Liabilities cannot exceed the value of the house.
The specific situation is analyzed according to the specific qualifications. Some customers can do it if their principal is overdue 1 year, but they have real business. If there is nothing, even a job, and the principal is overdue, then the bank will not accept it, because your loan has no repayment source, and even the people should carefully consider your loan. Any loan is based on the principal repayment rate, not your house.
It is not good to inquire about more credit information, only the mortgage products of institutional private platform companies can be inquired.