Housing loans can be entrusted to others, and a notarial certificate is required. You can handle a unilateral power of attorney or a contract entrusted by both parties. At the same time, it is necessary to issue the identity certificate, marriage certificate and real estate license of the client and the trustee, and go to the notary office in person.

Housing mortgage loan application conditions:

1. A natural person with full capacity for civil conduct, aged from 18 to 55 (inclusive);

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Have good information records and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;

6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

7. There is an effective guarantee recognized by the lender;

8. Other conditions stipulated by the bank.

Six situations lead to bad credit records.

First, if the "sleep credit card" is not activated, it will still generate an annual fee and a negative credit record;

Second, credit card overdrafts and mortgages are not repaid on time;

Third, the loan interest rate is raised, and the "monthly payment" or installment is still paid according to the original amount, resulting in overdue interest;

Fourth, when providing a guarantee for the third party, the third party failed to repay the loan on time;

Fifth, the mobile phone number was deactivated and the relevant procedures were not handled. If the monthly fee is overdue, it will also be written into a bad record;

Sixth, the credit card arrears record is generated by someone else with an ID card or a copy of the ID card.

Among them, overdue repayment after credit card overdraft and failure to repay according to low repayment amount are the main reasons for credit stain.

What should I do if I find something missing in the credit report?

If you think there are errors or missing information in the report, you can apply for objection handling of personal credit report. There are two ways.

1. Against commercial banks

Apply directly to the commercial bank for objection.

2. Apply for objection to the Credit Information Center?

Submit an objection application to the local branch of the People's Bank of China.