1. If the borrower is unmarried, you only need to check the borrower's credit information to apply for a mortgage bank loan.

2. However, if the borrower is married, in the mortgage loan, the bank will not only review the borrower's credit information, but also review the borrower's spouse's credit information. The requirements for the borrower's spouse's credit information are the same as those of the borrower, so it is possible to successfully apply for a mortgage loan only if both husband and wife have good credit information.

3. Before applying for housing mortgage loan, the applicant must understand the loan requirements and make relevant preparations. In addition, the loan information required by the bank should be prepared and then handled in strict accordance with the relevant procedures. These are the key factors to get a loan successfully.

Second, do you look at mortgage credit reporting?

Related to lending institutions, such as banks and consumer finance companies, will check the borrower's credit information, so check the credit information.

Although the mortgage loan is secured by the assets in the borrower's name, the existence of collateral does not mean that the loan will not be repaid. Only when the borrower fails to repay it within the time limit will the lending institution dispose of the collateral.

Therefore, lending institutions should judge the borrower's repayment ability and credit status according to the borrower's credit report records, so as to avoid risks.

General mortgage credit mainly depends on these records.

1. Loan records: including loan records and credit card records.

You can see the current status of each loan and each credit card, the amount owed, the monthly repayment amount, whether it is overdue and so on.

Then calculate the debt ratio according to the total amount owed, and you can roughly understand the borrower's borrowing risk.

For example, if the debt ratio is 50%, the borrowing risk is relatively high.

2. Inquiry record: that is, the credit inquiry record within two years, including the inquirer, inquiry time, inquiry reason, etc., with clear records.

Among them, if credit institutions inquire about credit information due to loan approval, credit card approval, guarantee qualification examination and other reasons, and the time interval of each credit information inquiry is relatively short, it will consume the borrower's credit information and there will be high loan risk.

If you are not clear about your debt and online loan data, you can check it from Winnie Hsin and get a big data report on online loan, which contains detailed online loan application records, overdue details, blacklists and other data.

Extended data:

Do you see a letter of credit for car mortgage?

Car mortgage, as its name implies, is a loan obtained from a bank or lending institution with a car as collateral.

People usually apply for automobile mortgage when buying a car.

So, does the car mortgage look at credit reporting?

Car mortgage will definitely read the credit report.

Because the borrower's credit information is one of the audit bases of banks or lending institutions.

If the borrower's credit status is poor and has a bad credit record, banks and lending institutions are likely to reject the borrower's loan application.

Moreover, they will not only check the borrower's own credit report, but also check the borrower's spouse's credit report, and banks and lending institutions will also review it.

And they will focus on the credit history of the past two years.

In fact, except for some online loan products, the rest of the loans will basically check the credit information.

Therefore, we must also pay attention to maintaining good credit in peacetime to avoid leaving a stain on personal credit information.

This will be helpful for your future loan and card application.

Third, do housing mortgage loans still look at credit reporting?

If the credit is bad, you can apply for a mortgage. However, there can be no current overdue. If the amount is limited, you can borrow money according to the assessed value of your house location. Generally, the loan can be released in about 2 days.

Fourth, do mortgage loans look at credit liabilities?

Regardless of mortgage credit, it is good to do it. Black households can hardly do it. Black household loans can be handled in the following ways:

1. Private lending. In this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. If the borrower has a mortgage in his name, whether he has a real estate or not, and whether the nature of his work is stable, the pre-loan review will be more severe. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount as appropriate.

2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds.