Loans to buy a house generally do not require the borrower to print a credit report and provide it to the bank. Banks and formal lending institutions need to sign a letter of authorization for credit inquiry when accessing the central bank's credit information system. After that, banks and lending institutions will check the borrower's credit information by themselves. Of course, if you are worried about your own credit problems, the borrower can also go to the credit reporting center of the local People's Bank of China to inquire about the credit reporting report before handling the mortgage, and print it out (directly log in to the official website Center to inquire, and then report the specific problems. In fact, banks and lending institutions generally have regulations on the information to be provided when applying for mortgage, so borrowers should follow the regulations of lending banks or lending institutions. If you don't know what information you need to prepare, the borrower can call the staff of the loan bank or lending institution. As we all know, personal credit is equivalent to everyone's credit pass today, which records everyone's past credit behavior, and these behaviors will affect our future economic activities. Especially because the online loan is overdue, leaving a bad credit record on the credit report, which may be rejected in the future. \ You can only query your own 100 credit data by searching information. This data comes from the fact that all users can query their own big data and credit status, get all kinds of index data, query their own personal credit status, blacklist application platform type, online loan credit information and so on. \ In short, if the online loan is overdue, it must be repaid on time, and it should not be overdue easily. Otherwise, if it is overdue, there will be a credit stain, and it will take five years to "wash white" after paying off the debt. If you don't pay it back all the time, credit stains will follow.
2.202 1 What is the charging standard of the real estate appraisal report?
The loan evaluation fee varies according to whether you handle commercial loans, provident fund loans or portfolio loans.
(1) Commercial loan
600 yuan, the house appraisal fee, shall be paid to the appraisal company. Foreign banks do not need to pay assessment fees. If they have already paid it, they will pay it back to you after the transfer.
Other properties other than residential properties:
(1) If it is an office building, the appraisal fee with the appraisal value below 2 million yuan is 1500 yuan. If the evaluation value is more than or equal to 2 million, the evaluation fee is 1‰ of the evaluation value.
(2) If it is a villa, the appraisal value is less than 5 million yuan, and the appraisal fee is 1000 yuan; 5 million is less than or equal to the evaluation value <100000, and the evaluation fee is 2000 yuan; 100000 is less than or equal to the evaluation value < 20 million, and the evaluation fee is 3000 yuan; If the appraisal value is above 20 million (inclusive), the appraisal fee will be increased by 1 0,000 yuan for each exceeding 1 0,000 yuan.
(2) provident fund loans
The appraisal fee of the provident fund loan is 3‰ of the appraisal value, and the upper limit is 1.500 yuan.
(3) Portfolio loan
The appraisal fee of the whole group loan is 3‰ of the appraisal value, and the upper limit is 1.500 yuan.
Third, the reporting mode of handling real estate loans
The model essay of each bank is different. You have to believe that the banking industry is no longer a monopoly period, and banks are competing for business. You can directly consult the bank to explain it to you.
Fourth, the reporting mode of handling real estate loans.
What do you do? It's the business of a banking company. Does the real estate development project need to review the report when applying for a loan?