Alipay is one of the shareholders of Bai Hang Credit Information, so the normal use of flower buds will generally not affect the mortgage. If Huabai fails to repay on time, it will still affect personal credit. It will lead to difficulties in mortgage approval. If the user repays in full and on time, it will not affect the mortgage. If it is overdue for a long time, it will affect the user's personal credit and even affect the mortgage in serious cases. When buying a house with a loan, the bank will check the applicant's credit report. In addition to checking whether the lender is overdue, it will also check whether there are loan behaviors such as credit loans and consumer loans under the applicant's name. If you want to apply for a loan successfully, you'd better not be overdue or have a lot of loan behavior.
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1. Matters needing attention in handling mortgage loan
1) When applying for a mortgage, you should know your repayment scope according to your own economic conditions, make a good plan, pay attention to the loan amount, and don't exceed your own ability.
2) To apply for mortgage, it is necessary to provide true information and not to resort to deceit. After confirming the loan, prepare relevant loan information, as well as proof of assets or repayment ability.
3) Find out the repayment method, choose the appropriate repayment method, and then apply for a mortgage.
4) If you apply for housing provident fund loans, do not use provident fund deposits before applying for loans.
5) Don't repay the mortgage in advance within one year. Partial prepayment shall be made after 1 year, and the amount returned shall exceed the repayment amount of 6 months.
6) Users who can't repay on time should apply for extension in time.
7) After the mortgage is paid off, the mortgage must be released. Keep loan contracts and IOUs.
2. Banks apply for loans
Select real estate, sign purchase contract, sign house mortgage contract, and handle mortgage registration and insurance. (In general, due to the long term of mortgage loans, banks require buyers to take out personal insurance and property insurance to prevent loan risks. ) Open a special repayment account.