Users whose personal credit information can meet the above conditions can apply for a mortgage in the bank. However, users need to consult other requirements of banks for mortgage loans, and different banks have different requirements. Users need to prepare relevant information in advance to avoid being refused to apply for a mortgage.
Extended data:
What information does the mortgage credit information mainly check?
1. Credit information includes basic personal information, such as your name, address, age, gender, etc. , and your work unit and telephone number, etc. All your personal information can be found through the bank's credit information system.
2. Also check your personal bank credit. If you have applied for a loan from the bank before, it depends on your repayment. Some people may not apply for a loan from the bank, but if they apply for a credit card, the bank can also check your loan and repayment situation to judge whether you have repayment ability and credibility.
3. In addition, you can also check your daily consumption, including the water and electricity bills you usually pay, and whether your personal mobile phone can be used normally. These can be checked through the bank's credit information system, which is very comprehensive.
4. You can also find out whether you have inquired about relevant credit records recently, such as your personal records in the bank for half a year. If there are a lot of inquiry records and there are no loan records during this period, the bank may think that your personal qualifications are not particularly good, which will affect future applications.