The other is that the credit card is overdue three times in a row or six times in two years. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan.
Among them, the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; A total of six times means that it is overdue once, returned and overdue again. This has happened six times.
Can't I get a loan if my credit card is overdue?
Is it true that the credit card cannot be loaned after it is overdue? In fact, it is not absolute. For example, the bank is willing to issue a "non-malicious overdue certificate" for you. If you have such a "customs clearance form" in your hand, your loan path may not be so difficult.
Similar to the above case, after learning of the overdue situation, Xiao Song quickly contacted the issuing bank to pay the arrears voluntarily, and clarified that it was impossible to know that the annual fee payment notice was overdue after changing the mobile phone card number. After investigation, the issuing bank proved it true, and finally gave Xiao Song a "non-malicious overdue certificate". With this certificate, Xiao Song's loan application was also passed.
The circumstances that can be regarded as "non-malicious overdue" are as follows:
1. The business is handled by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue.
2. After buying a house with a personal loan, the developer returned the personal down payment for various reasons, but failed to deal with the overdue caused by the loan settlement in time.
3. If an individual sells the mortgaged house but fails to refinance, the overdue due to the buyer's failure to repay the loan on time is still recorded in his own name.
4. The unit failed to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.
5. Is it because the individual doesn't understand the provisions of the repayment date of the bank, or the bank staff didn't clearly inform the repayment date, or the bank didn't inform the individual when the loan interest rate was adjusted or the repayment date changed? As a result, the individual failed to repay the loan in time according to the contract, resulting in overdue records in the personal credit report.
6. If the credit card is not received or the credit card is not activated, but the annual fee is generated, it will be deemed as overdue.
In fact, the responsibility for overdue is not their own. In banks or third-party institutions, this non-malicious overdue certificate is relatively easy to open. Instead, you must seize the opportunity.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
Guarantee fee
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.