When the bank examines the housing loan, it will first check the borrower's credit records in the past two years and evaluate the borrower's recent credit status, debt status and economic ability. After obtaining the borrower's evaluation results in the past two years, the bank also made a comprehensive score according to the borrower's credit report in the past five years. Finally, the bank will decide whether the borrower's loan application can pass according to the evaluation results and comprehensive scores.

It should be noted that even if the loan application has been approved, if the loan issuance time is longer than the pre-loan credit inquiry date, the bank may conduct credit inquiry again. In other words, if there is a bad credit record after the loan application is passed, it may also affect the normal lending.

Two methods of inquiring personal credit records

1. Go to the credit information hall of the local people's bank and provide the original ID card for inquiry;

Bring my ID card or client's ID card and power of attorney, and provide my ID card to print personal credit records at the credit inquiry window of the People's Bank of China;

2. Log in to the online personal credit inquiry system of the People's Bank of China to inquire about the credit inquiry about house purchase.

Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.