When the bank examines the housing loan, it will first check the borrower's credit records in the past two years and evaluate the borrower's recent credit status, debt status and economic ability.
After obtaining the borrower's recent evaluation results, the bank also made a comprehensive score according to the borrower's credit report in the past five years. Finally, the bank will decide whether the borrower's loan application can pass according to the evaluation results and comprehensive scores.
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Behavior that affects personal credit report
1, overdue repayment
There are two kinds of overdue repayment in our daily life, one is credit card overdue repayment, and the other is other loans overdue repayment. If the borrower fails to repay the loan for six times in three consecutive months or two years, it will be listed on the bad credit list by the bank.
2. There are too many inquiries about credit information.
Many people may not know this. If the frequency of "hard inquiry" on the credit report is too high, and the user has no record of successful loan or credit card issuance, it means that the person's property status is not good. 90% banks and financial institutions will refuse loans. The so-called "hard inquiry" here is: credit card approval, loan approval and guarantee qualification examination. Too many records of such inquiries will have adverse effects.
3. There are arrears and taxes in the public information.
At present, some cities have recorded the overdue payment records of public utilities in their credit reports. If the applicant owes water, electricity, gas, mobile phone communication fees, etc., and it is recorded in the credit report, the bank may refuse the loan seriously, or ask the buyers to increase the down payment ratio, or the bank may raise the loan interest rate and reduce the loan amount.
Husband and wife buy a house after marriage, and in 2022, the bank checked the credit for several years.
Couples buy a house after marriage, and the bank will check the credit in 2022. Under normal circumstances, bank loans are checked for two years, bad credit records are checked for five years, and those that are not returned are always checked.
Buying a house to check credit information is mainly used to handle housing loans, which is a business that values credit. If the lender has credit problems, the bank can't lend.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.
How many years of credit history can a bank loan look at?
Now our living expenses cannot be separated from loans. After all, prices and house prices are rising. It can be said that almost everyone has one or even several credit cards. After all, credit cards can alleviate the shortage of funds. Although everyone can apply for a loan, it may not be so smooth. Then the personal credit report that affects the loan is recorded by the bank.
First, banks can check their credit records for several years.
We went to the bank to apply for a loan, and the first concern of others' banks was the personal credit report. After all, this report reflects whether they have the ability to repay loans and whether they are honest people. Under normal circumstances, the bank will focus on the credit report of the applicant in the past two years, and the specific situation still depends on other circumstances of the individual loan applicant. The credit report can be kept for five years, which means that the bank can check the applicant's credit information within five years. It is certainly difficult to apply for a loan if the credit information is not good, and the bank will also ask for more supporting materials. If it is more serious, the bank will directly refuse to handle it.
Second, different banks pay attention to different credit reports.
Banks can see the credit report within five years. It is difficult to apply for a loan if there are accumulated records of deferred repayment from March to June in these five years. Of course, different banks pay different attention to the content of credit report. Some banks pay more attention to the number of overdue credit reports, while others pay more attention to the overdue amount. No matter what the bank is concerned about, it is generally not a problem to apply for a loan if it is overdue two years ago. On the contrary, if it is overdue within 2 years, it depends on the specific situation.
Third, it is very important to maintain a good credit record.
The overdue records in the credit report will be updated every five years, so everyone should keep a good credit report within five years. No matter how serious the overdue is, as long as good records are maintained within 5 years, overdue records will be eliminated. Of course, if the bank's mistakes lead to overdue, you can apply directly to the bank. Therefore, overdue records will not be kept permanently, and the People's Bank of China will update them every five years. In order not to affect the loan business application, it is very important for everyone to maintain a good credit record at ordinary times.
If you borrow money from the bank, you will definitely check your credit history. There is no bad record in five years, and there is no problem with general loans. The record of minor faults within 2 years basically does not affect the loan application.
How many years does the bank mortgage credit report look at?
Generally speaking, it takes five years for bank mortgage credit reporting and two years for credit card credit reporting. If the credit is overdue, it is best to maintain a good credit status for more than five years.
How long does the bank usually check the credit when buying a house?
Under normal circumstances, bank loans have been checked for two years, and bad credit records have been returned for five years. Those that have not been returned will always be checked.
Bad information in personal credit report will have a bad influence on personal loans, and in serious cases, it will be directly refused by banks. However, these bad information are not permanently preserved and will be eliminated after a certain period of time. The problem of overdue records of credit information is clearly stipulated in the Regulations on the Administration of Credit Information Industry, in which Article 16 clearly points out that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. However, it should be noted that some overdue credit records can be directly eliminated. 1. If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction. 2. If a credit reporting agency or information provider receives an objection, it shall mark the objection on the relevant information in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and deal with it within 20 days from the date of receiving the objection, and give a written reply to the objection. 3, after verification, confirmed that the relevant information is wrong, omission, information providers, credit reporting agencies should be corrected; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.
A five-year credit certificate is different from that of a white family. White households refer to users who have never had a credit relationship with banks or financial institutions, so their credit records in personal credit reports are blank. White credit households are also called white credit lists. The credit information has been cleared for five years, which means that it has had a credit relationship with banks or financial institutions before. Now the bad information has been cleared, but it still exists and cannot be called a white household. 1, after five years of credit investigation. There is almost no impact on the current loans, because banks mainly look at the credit records in the past two years. If the bad credit record has been repaid for five years, those that have not been repaid will be permanently checked. Therefore, if the arrears incurred five years ago have not been paid back, then the bank has the right to trace back, which can be traced back to five years or forever. 2. If the credit information is unclear after five years, the business can be handled normally after the blacklist is lifted. Take Baihu as an example, because there has been no credit behavior, banks or financial institutions cannot assess the loan risk, which may lead to rejection when applying for loans. However, if the income is stable and the willingness to repay is strong, you can provide some information to prove your personal financial resources, which will help improve the possibility of obtaining the loan application.
How often do banks look at their credit records?
Two years.
Personal credit system is a system that evaluates personal credit rating according to household income and assets, loans and repayments that have occurred, credit overdrafts, penalties and lawsuits when bad credit occurs, and records it at any time, so that personal credit providers can decide whether to provide credit or how much credit to provide.
There are two forms to reflect personal credit status, namely personal credit report and credit score. Under the condition of market economy, personal credit system is very important. It is more important for individuals to use credit products effectively and maintain a good credit record.
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According to the Interim Measures for the Administration of Basic Database of Personal Credit Information:
Article 12 A commercial bank may inquire personal credit reports from the personal credit database when handling the following businesses:
(1) Examining personal loan applications;
(2) Examining applications for personal credit cards and quasi-credit cards;
(3) Examining individuals as guarantors;
(4) Managing the post-loan risks of personal credit;
(five) to accept the loan application of a legal person or other organization or as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.
Article 13 In addition to the provisions of Item (4) of Article 12 of these Measures, a commercial bank shall obtain the written authorization of the inquired person to inquire about the personal credit report. Written authorization can be obtained by adding corresponding clauses in loan, credit card, quasi-credit card and guarantee application.
Article 14 A commercial bank shall formulate an internal authorization system and inquiry management process for post-loan risk management when inquiring about personal credit reports.
Fifteenth credit service centers can provide their own credit reports for compensation according to individual applications.
The credit service center shall formulate corresponding processing procedures to verify the identity of the applicant.