1. Handling bank loans, regardless of whether the bank's credit status is the borrower or not, banks generally need overdue credit for two years or three times instead of six times in total. If the limit is exceeded, it may be difficult to apply for a loan. If there is no bank only looking for applicants, it is generally between 5% and 30%.
2. If the applicant's credit report is not serious and the loan that affects the interests is not very large, but if a serious bad record is found, if it appears, or even appears tired, then the success rate of the third loan to the bank will be greatly reduced. Even if the loan is successful, the loan amount will be much lower and the interest will be much higher, so it is very likely that the loan will not be available.
3. If the mortgage credit card is overdue, the interest rate will fluctuate by 10%, then the monthly amount will fluctuate by 10% according to the benchmark interest rate, and then the interest rate will be recalculated by combining the remaining arrears of the month and the remaining repayment periods. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit record caused by overdue credit card repayment will be kept in the credit information system for 2 years. If the card is terminated, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the credit card is overdue, it is best not to cancel the credit card immediately after paying off the debt, but insist on using the credit card that has exceeded a certain period.
4. The overdue credit card will have a bad credit record, which will affect the loan to buy a house, but it does not mean that it will be rejected if it is overdue. Mainly according to the severity of the overdue situation. General banks will grant loans, but it depends on the number of overdue loans and whether the mortgage interest rate will fluctuate with the benchmark interest rate; The interest rate of credit card mortgage rose by 5% once overdue, 10% twice overdue, and some even rose by 15%.
The Bank's interest rate fluctuation calculation method is:
Suppose the current annual interest rate is 5.65%, and the interest rate fluctuates by 50% when the bank approves, and the actual annual interest rate is 5.65%*( 1+50%)=8.475%. Interest rate is the ratio of interest paid to principal over a period of time, usually expressed as a percentage. The calculation formula is: interest rate = interest amount/principal x times x 100%.