Mr. Wu, who is preparing to buy a house with a loan recently, is not calm, because he had a overdue credit card repayment before, and he was worried that it would become a "hurdle" for him to apply for a mortgage. Mr. Wu asked the Beijing News reporter, what is a credit report? What credit problems will affect the bank's loan approval?
Answer:
Credit report refers to the personal credit records recorded by the Credit Information Center of the People's Bank of China, including personal basic information, credit status of loan and credit card accounts, and social security accumulation fund deposit, etc. Also called personal "economic identity card".
Personal credit information reflected by credit information is an important basis for banks to approve loans. If the personal credit is not good, when applying for a mortgage from a bank, there will usually be problems such as increasing the materials provided, extending the loan approval cycle, and rising the loan interest rate. What's more, there will be refusal to lend.
The question is, what scope does the bank's personal credit evaluation include? Wheat field real estate professionals pointed out that the credit reporting cycle of bank assessment is generally divided into two years and five years (according to the regulations of specific banks). When evaluating credit, the main information evaluated by the bank includes marital status, work unit, provident fund deposit, loan times, account status, liabilities, mortgage guarantee, whether there are overdue and overdue times (including continuous overdue times and cumulative overdue times); In addition, loans, credit cards, online loans, loans and micro-loans applied by individuals are also included in the assessment.
From this point of view, the bank's credit scope is still quite wide. So, what kind of situation will be considered as a problem by banks? In this regard, wheat field real estate professionals said that a variety of related situations are possible, the most important of which is that the repayment is overdue for more than "three consecutive months" ("three consecutive months" means overdue repayment, "six consecutive days" means accumulated overdue repayment). If the applicant's credit record is overdue, the bank will think that his repayment credit is poor and the loan application is likely to be rejected.
In addition, other situations that will be recognized by banks as having problems with credit information include: the marital status of credit information is inconsistent with the actual situation, the credit information unit is inconsistent with the income unit provided, the debt is too high, loans involving down payment such as applying for credit mortgage loans, and account status errors (such as overdue, freezing, bad debts, and payment suspension). ), and the inquiry volume of the credit reporting bank is too high in a short time.
As far as Mr. Wu's situation is concerned, he once had a credit card overdue repayment, but he did not reach the goal of "three consecutive times and six times", so he was not completely unable to apply for a mortgage. Whether to approve the loan ultimately depends on the bank's audit.
Then, if the property buyers have objections to the credit information identified by the bank, can they appeal? Wheat field real estate professionals pointed out that it depends on the specific situation. For example, if the marital status does not match and the account status is not equal, you can submit proof materials to the bank to make changes; But there are some situations that cannot be changed at present, such as overdue and liabilities.