Your second loan record is not a mortgage, but a mortgage car loan, which means that your mortgage record is only once. According to the current policy, the second home loan can be handled in accordance with the second home loan policy, and only 40% of the loans can be approved, and the interest rate is higher than the first home loan.

If your quota is not enough, you can also apply for consumer loans or business loans directly. The interest rate of this kind of loan is also higher than that of housing loan, so it has little influence on your choice.

Second, people with two loan records can't buy a house?

Editor's note: There are two loan records. General commercial loans belong to loan-restricted people and cannot be used. So can I buy a house? Not necessarily; Can I use the provident fund loan? Not necessarily; Need to combine their own actual situation, in Wu Hanyou, two loan records, commercial loans and provident fund loans once each, after paying off and selling, there is no room under their name, can you buy a house? Combine this case analysis and share it with everyone. Finally, review: can I withdraw the provident fund in cash after leaving the company? Netizen in Fang Yi: I bought a house with a commercial loan before marriage, and my husband bought a unit fund-raising house with a provident fund loan after marriage. At present, the house I bought before marriage has been paid off with my own provident fund and sold. The unit fund-raising house bought by my husband has not been filed with the Housing Authority, and there are no two certificates. Now I want to buy another house, but I am told that my husband and wife have two loan records. By default, we have two properties, so we can't buy another house? 100 million houses and 100 million experts: Generally speaking, buying a house in Wuhan and applying for a mortgage are two different things. Eligible to buy a house may not be able to apply for a mortgage; But if you don't have the qualification to buy a house, you can't apply for a mortgage if you can't buy a house. If your family is registered in Wuhan and there is no room under your name, you can buy a house again; If your family is registered in a foreign country, you can buy a house again if you can submit social security or tax payment certificate. Moreover, you said that there are two mortgage records, which only affects your loan and does not affect your qualification to buy a house. The qualification examination of house purchase is inquired by the Housing Authority, and only the property records are inquired, which is not directly related to the loan. The basic policy of restricting loans in Wuhan means that the banking department implements the standard of "recognizing housing and recognizing loans" (generally referring to commercial loans), based on the bank's own credit information system (recognizing loans) and the local real estate bureau (recognizing housing). At present, the recognition of housing is only for Wuhan, and the recognition of loans is national; Whether the previous loan has been settled will be included in the bank's credit information system. At the same time, Wuhan's provident fund loan policy is different from commercial loans. Only the provident fund loan records are recognized, and commercial loans and houses are not recognized, but the premise is that they are qualified to purchase houses. Note: In the case that one suite is restricted for foreign household registration and two suites are restricted for Wuhan household registration, the loan for the third suite is restricted. Therefore, in the above cases, netizens have records of commercial loans and provident fund loans, which only affect netizens' commercial loans; If you are qualified to buy a house, you can use the provident fund loan again.

Loans overdue records three or two times, will it affect the future mortgage?

It will affect your loan.

Banks will refer to the number of overdue loans in the past two years when approving loans. Under normal circumstances, it will be difficult for couples to obtain loans if they are overdue for three consecutive times or six times in two years.

According to the degree of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards have expired.

Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above.

Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.

2. The credit card is overdue for three consecutive times or six times in two years.

Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.

How does extended data control loans overdue?

First of all, the customer qualification is preliminarily examined by the review post.

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete and the calculation of key financial indicators is accurate.

Two, the members of the loan committee to approve the loan information.

The members of the loan review committee may be the business heads of tier-one branches, post-loan management positions and business heads of business institutions with certain experience. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review. Therefore, the members of the Credit Audit Committee should fully grasp the information of the investigation report in advance and grasp the main risks.