People's bank branch. Housing loan credit investigation shall be handled at the local people's bank branch, and the original and copy of my valid ID card shall be brought to the local people's bank branch. Hong Kong, referred to as "Hong Kong" for short, is the People's Republic of China (PRC) Special Administrative Region, located in the south of China and east of the Pearl River Estuary.
Where can I get the credit information of housing loan?
If you want to check personal credit, you can go to the local people's bank to check.
Or log in to the mobile banking of Bank of China and submit an application for personal credit report inquiry on the homepage "More", the homepage of loan management function and the "My" module. After receiving the application, China Bank will submit your application to the Credit Information Center of the People's Bank of China. Under normal circumstances, the Credit Information Center of the People's Bank of China will return your credit report within 24 hours. You can download and view the contents of the report in mobile banking, and the specific contents will be subject to what you find. 7 natural days after the successful application, the system will automatically delete it after the expiration, and you need to apply again. There are tips on the page. You can save it locally.
For more information, please call the customer service hotline of China Bank at 95566.
The above contents are for your reference. Please refer to the actual business regulations.
What should I do with a loan to buy a house?
The way to apply for credit information for buying a house with a loan is to go to a branch of the local people's bank or an authorized bank to inquire and print a credit report. Remember to bring the original and copy of my valid ID card. It is worth mentioning that the personal inquiry of my credit report is free twice a year, and the service fee is charged for the third time and above, 25 yuan.
Where can I make a credit report when buying a house?
You can print it at the credit information center around the central bank, but you need to bring the original ID card and a copy of your ID card. Personal credit information is one of the important audit criteria for whether a mortgage can be approved. Therefore, the personal credit report has become an indispensable proof when we apply for a mortgage.
No matter what kind of loan business, banks are most afraid of being unable to repay. Therefore, their control over the bank running water certificate will be much stricter. Generally speaking, when buying a house with a loan, the bank will require the buyer to provide at least 6 months' salary (or their income) before applying for a mortgage. So, if you can provide it, take your ID card and bank card and print it at the bank counter.
Although personal credit information is not the only criterion for buyers to obtain mortgages. However, if you have a bad record in your personal credit report, then you can't apply for a mortgage loan. Even if they can apply, banks will raise the mortgage interest rate or reduce the loan amount.
Extended data
In real estate transactions, the tax items that may be involved are deed tax, stamp duty, value-added tax, value-added tax surcharge (including urban construction tax, education surcharge, local education surcharge), income tax, etc. If the real estate license has been completed for 2 years, it can be exempted from VAT and VAT surcharge.
This time, the VAT surtax and stamp duty reduced in many places are small taxes. For property buyers, they are more concerned about big taxes, such as value-added tax, deed tax and individual tax. Therefore, this tax cut actually has little impact on the real estate market, but some buyers can still save some purchase costs.
Where can I check the credit information of the house loan? What are the banks supervised by funds?
Where can I check the credit information of the house loan?
First, the purchase loan credit record query:
1. Bring my reasonable ID card account book and a copy of my reasonable real identity to the local people's bank branches and credit branches for enquiries.
2. Visit China People's Credit Information Center in official website.
It is free for individuals to inquire about personal credit report twice a year. If I check more than three times a year, 25 yuan will be deducted each time.
Second, the personal credit report on the impact of housing loans
1. When we submit a loan application to the bank, the bank will ask us to issue a personal credit report to determine whether we can get a loan. (Personal credit report and personal credit report have the same definition, and personal credit report is an alias of personal credit report. )
If our personal credit status is better, we are likely to get preferential treatment. However, if we have an overdue credit record, we may have to raise the price or even get a loan. It can be said that the personal credit report is an individual's economic identity card.
3. However, in the report, the bank can identify the repayment intention of the lender by querying the "historical time repayment record" in its personal credit report. Inquire about "number of loan orders" and "external guarantees" to judge whether to approve loans and credit lines. If the credit is good, the bank's credit line is sufficient and the lending speed will be very fast. If there are overdue credit records, banks will be more cautious when lending, which is not conducive to obtaining loans or increasing loan costs.
What are the banks supervised by funds?
The banks supervised by the Fund mainly include Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Industrial Bank and China CITIC Bank.
Banks supervised by different city funds will be slightly different, so you can consult artists' brokers in the corresponding areas. It should be noted that soldiers cannot supervise funds by issuing bank cards, and must apply for a debit card under their personal name after opening an ID card; All credit cards and non-Beijing bank cards cannot be used for fund supervision; Bank of Industrial and Commercial Bureau: Peony Link Card used to pay traffic violation fines cannot be used for fund supervision business process; Infrastructure Bank: Bank cards marked "Clearing Pass" cannot be used for fund supervision business processes.
Let's stop here for the introduction of where to do housing loan credit investigation.