Unreasonable. As an adult, your parents' credit history has no influence on you.

Parents with bad records will not affect their children's loans, because children (adults) and parents are different borrowers, but if their spouses have bad records, it will affect the loan approval.

When applying for a housing loan, in addition to having a good credit record, the following conditions must be met:

1. The borrower can provide valid identification;

2. Have a stable income and the ability to repay in full and on time;

3. The purchased house has a sales contract or letter of intent;

4. Have a certain down payment;

5. Other conditions required by the handling bank.

2. The non-performing loan ratio of the branch handling personal credit business is above () for three consecutive months, and the head office will give the punishment of suspension of business.

C

Three. Non-performing loan ratio of branches

Non-performing loan ratio refers to the proportion of non-performing loans of financial institutions to the total loan balance. Non-performing loans are divided into five categories according to the risk basis: normal, concerned, secondary, suspicious and loss, of which the latter three categories are collectively referred to as non-performing loans.

4. What responsibility will the branch president bear for the non-performing loans of rural commercial banks?

Take direct or management responsibility for lax loan management.