With the continuous development of the financial industry, loans have become more and more simple, the importance of credit reporting has become more and more prominent, and everyone's sensitivity to credit reporting has also improved. Some people find that they have too many credit records after borrowing many times, and I don't know if it will affect the application for mortgage. Do you have a lot of credit records to borrow money to buy a house? Let's get to know each other.
Do you have a lot of credit records to borrow money to buy a house?
There are many credit records, but there are no bad credit records, and there is no problem in buying a house with a loan. For banks, credit information is an important basis for judging the repayment ability, credit degree and debt ratio of mortgage applicants. From the credit records, we can see the applicant's willingness to repay, consumption preferences, lending behavior, etc., and can judge the applicant's risk level. Therefore, a good credit record will not affect the mortgage application, but it will be easier to pass the audit because the bank has evidence to rely on.
However, if there is a bad credit record, it will affect the application for mortgage, mainly because the following records have a negative impact:
1, overdue record
When using a credit card or loan, it is overdue, which has a great influence on applying for a mortgage. If it is overdue for more than 6 times in the past two years, or 3 times in a row, it is seriously overdue, and the mortgage application will be directly rejected by the bank.
2. Ensure records
If there is an outstanding secured loan on the credit information, the bank is unwilling to grant the loan to the applicant, because once the loans overdue is secured and the borrower is unable to repay, the guarantor will bear the repayment responsibility, and the credit information will become worse and the repayment ability will be discounted.
3. Non-financial liability information such as water and electricity bills and gas bills.
Many cities also include utilities, gas and telephone charges in their credit information systems. If the credit parties are in arrears for a long time, they will also leave a bad credit record on the credit. When banks see that applicants are in arrears with these credits, they will question their financial situation and are unwilling to lend.
Many credit records can be used to buy a house, but not too many overdue records. A good credit record can improve the success rate of loans, so don't worry too much.
There is a record of overdue repayment of 10 in the credit report, the highest is more than 500, and the others are more than 100. Excuse me, can the mortgage be passed?
Can't get through.
The Measures for the Administration of Individual Housing Loans have corresponding provisions:
Article 5 A borrower shall meet the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.
Extended data:
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Relevant laws and regulations of the Measures for the Administration of Individual Housing Loans:
Article 38? When the borrower fully performs the loan contract, if the lender fails to provide the loan in full and on time as agreed in the contract, it shall be liable for breach of contract and bear the losses caused to a bona fide third party as agreed in the contract.
The lender shall open a closed loan settlement account for the enterprise, and implement the use of special funds and separate assessment. Lenders should examine the loan purposes of enterprises one by one to ensure that the loans are used for the direct and reasonable indirect costs of producing products in the current period.
Thirty-ninth closed loans and withdrawal loans must use the "double signing" system, and payment can only be made after both the enterprise and the lender sign. During the closed operation of the loan, the lender shall not deduct the old loan and interest arrears from the special account.
Does more than 20 loan records affect the mortgage?
If there are more than 20 loan records on the credit report, it may affect the mortgage to some extent. Because there are too many credit loan records, banks may be worried about the instability of customers' economic life when they run for mortgage approval.
In particular, if there are many outstanding loans, the personal debt ratio shown in the credit report will be higher, which will make banks worry that customers' repayment ability is insufficient. In this way, the possibility of mortgage rejection will increase.
In this regard, it is recommended to suspend the application, keep at least two or three months without borrowing new loans, and repay the debts under the name during this period, and apply for a mortgage after improving the "flower" situation of credit reporting and reducing debts.
Credit card overdue for 5 years *** 10 times. Can I get a mortgage?
The credit card has been overdue for *** 10 times in 5 years, and the mortgage has been rejected. Not only individuals, but also relatives' loans will be rejected.
When reviewing personal credit records, banks focus on the credit records of buyers in the past two years. As long as the repayment is overdue, it will not affect the loan. For the credit records in the past two years, banks will generally check them strictly. If the repayment is overdue for three consecutive months and accumulated for six months, the loan application will generally be rejected.
However, banks now have some flexibility in this regard. If the credit card repayment is overdue, the bank will also consider the specific circumstances, such as the repayment caused by the annual fee deduction is not timely or extremely small, which has little impact on the mortgage. However, if the mortgage repayment is overdue, it will generally be checked in strict accordance with the requirements.
Generally, different banks have different standards for checking credit records. There will be some differences in different branches of the same bank, and joint-stock banks will be relatively relaxed. So I consulted several banks to see if any banks accepted it. If rejected, we can only think of other ways.
In the face of some buyers with credit history problems, some companies will recommend guarantee companies to help buyers achieve loan success, but not only will interest rates rise, but buyers will also pay a certain handling fee. Generally speaking, you basically need to pay a handling fee of 2% of the loan amount In other words, if the loan is 2 million yuan, in addition to the floating interest rate, you have to pay a handling fee of 40 thousand yuan.
Extended data:
However, for some unintentional overdue cases, some banks can give grace. For example, China Merchants Bank can, according to the actual situation, ignore the loan and credit card records that have been settled in the name of customers for more than two years. For small overdue records within 500 yuan, annual overdue credit card fees and short-term overdue records within 7 days, the number of overdue records can be eliminated as appropriate.
In addition, customers should also beware of identity theft by others, and cannot borrow others to handle credit cards or loans. If the credit record is not good, it should be borne by the customer himself.
People's Network-Three consecutive overdue loans and bad credit records have become obstacles to buying a house.