In fact, Xiao Ah doesn't want to pay the property fee for her own reasons: last year, she found that there was a slight crack in the house where she lives now, and after failing to communicate with the property, she refused to pay the property fee in an angry manner. In fact, regarding property disputes, everyone should solve them through legal channels, and some of them may be the responsibility of developers, such as the small A thing.
Therefore, there is no legal basis for Xiao's refusal to pay property fees. In this way, the credit will naturally be tarnished. However, as long as Lao Li pays back the money, this small stain will be erased and will not affect the subsequent loan. In fact, it is common to default on property fees. In addition, the following situations will also affect your mortgage application.
First, there are arrears and taxes in the public information.
Some cities will also record the overdue payment of public utility fees in their credit reports. If the applicant owes water, electricity, gas, mobile phone communication fees, etc. And it is recorded in the credit report that banks with serious conditions may refuse loans, buyers may need to increase the down payment ratio, or banks may raise the loan interest rate and reduce the loan amount.
Second, real-name registration system's mobile phone arrears and mobile phone cards are not cancelled
Another common situation is that the mobile phone is in arrears, or the unused mobile phone card has not been cancelled. Some provinces stipulate that the arrears of mobile phones in real-name registration system will be included in the central bank's credit information system when they reach a certain period.
Third, the credit card is overdue
Many people have the habit of spending by credit card, and sometimes it will be overdue. General banks will refer to the use of credit cards within two years. Banks that require leniency will not refuse the loan if the credit card is overdue once or twice and the amount is not large, but may raise the interest rate or down payment ratio.
It should be noted here that some people's sleep credit cards are not used after they are activated. However, I forgot that even so, there will be an annual fee. Therefore, if you don't repay in time, you will also have a negative credit record.
Fourth, the student loan is in arrears.
Some students from poor families apply for student loans. Although student loans are convenient, we should pay attention to timely repayment. The repayment period of student loans is generally 10 years after graduation. The applicant should repay the loan within the specified time limit. If they can't repay on time, they will be included in the central bank's credit information system. Applying for a loan to buy a house and a car in the future will be affected.
5. Too many cards are used.
If the buyer has multiple credit cards, the bank will suspect that he has a card maintenance card. At the same time, multi-card means that the risk of excessive debt ratio increases. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets. The calculation formula is: debt ratio = total liabilities/total assets.
Sixth, there is a tendency to defraud loans.
Some intermediaries or individuals will forge personal application materials in order to apply for loans, or the purpose of loans does not match the actual situation. Once these are displayed on big data, it will be considered that the risk coefficient of lending is high.
In the current situation of tight mortgage, these situations will undoubtedly affect the application for mortgage more. Therefore, in daily life, everyone must pay attention to their personal credit as much as possible to avoid leaving a credit stain because of a little thing.