Handling regular consumer loans will be recorded in the credit report. If the bank finds that the user has applied for a new consumer loan within three months after applying for a mortgage, then the bank may doubt the borrower's repayment ability and worry that the borrower will use the funds from other loans to repay the mortgage. Moreover, consumer loans will also increase the borrower's debt ratio, which may lead banks to control the lender's risks. If there is no loan, it is not excluded that the bank may refuse to lend on this ground.
After all, the three months after handling the mortgage is a crucial period for banks to check the lender's repayment ability. You can check the lender's credit information once a month, or check the lender's credit status and liabilities, mainly to see if there are any new loan records.
For example, after the bank loan is issued, the bank cannot be illegally transferred to the prohibited account, but it is still transferred to the wealth management or stock account by individual customers at will. According to the big data system, banks quickly found out and asked customers to return the loans immediately and settle them immediately. In my professional experience, I have seen many cases.
Therefore, just in case, it is recommended not to apply for other loans within three months after applying for a mortgage. It is safer to apply for other loans after the critical period of three months.
Then someone should ask, if you don't lend within three months after completing the mortgage, can't the mortgage be released?
The author tells the truth, but it still won't work.
After three months of lending, although you can apply for other loans as long as you meet the application conditions of other loans, the probability of passing the examination is relatively high. However, the mortgage has caused great repayment pressure on itself, so if you apply for a loan again, you must prove that you have sufficient repayment ability, otherwise the bank will appropriately adjust the loan amount, loan interest rate and loan term of the later loan. Because every loan will check the credit information, the number of times to check the credit information is limited. If the inquiry is frequent, it will affect the mortgage to some extent.
You can get a loan after the last three months, but you'd better not use it. After all, three months after the mortgage is also a crucial period for banks to inspect the lender's repayment ability. You can still randomly check the lender's credit information to see if there are any new loan records.
Furthermore, there is a more realistic reason, that is, banks have many restrictions on customers who have just repaid their mortgages for about three months to apply for other types of loans. One of them is that the customer must repay the mortgage at least six times, which means at least six months, and it is enough to clearly indicate six times in the credit report. Because the credit report is updated slowly, it actually takes 7 months to reach the standard. It can be seen that bank risk control is not a vegetarian.
Generally speaking, it is best not to apply for a loan within three months after handling the mortgage and within three months after the mortgage comes down. I make suggestions and do what I can, especially in this period of economic depression and epidemic. Apply for loans many times, the monthly repayment ability is insufficient and the mortgage is overdue, and the overdue bad information is recorded in the personal credit report, resulting in personal credit damage. At that time, if there is a subsequent loan demand, the subsequent loan processing will be blocked and the consequences will be very serious.
In addition, matters needing attention in handling mortgage loans:
1. Be sure to prepare all relevant materials, such as ID card, household registration book, bank account number, salary slip, down payment receipt, etc. And the information provided must be accurate and consistent with the real situation, so as not to affect the mortgage approval because of incomplete or incorrect information.
2. Apply for an appropriate loan amount according to the total house price, your actual economic situation and repayment ability. To apply for a personal housing provident fund loan, you have to consider the balance of the housing provident fund account. Don't blindly apply for excess, lest you can't do it, or the repayment burden is too heavy after doing it.
3. If you apply
5. Choose the appropriate repayment method. The average capital repayment method requires a higher level of economic income. After all, the pressure of prepayment is greater, which is suitable for customers with a certain economic foundation. If the economic conditions do not allow early repayment and excessive investment, you can choose the repayment method of equal principal and interest.
6. If your credit conditions are average, you can find a person with good credit to give you mortgage guarantee, which will improve the chances of loan approval.
Related questions and answers: How long can I apply for a loan after the down payment? There is no relevant policy about when you apply for a loan, but I believe you are more active when buying a house. It's best to start the loan right away after paying the down payment.
1. First of all, the repayment time of the housing loan is the month after the bank loan. If you don't repay on time, you will face corresponding penalties, such as the house being sealed up, being sued by the bank, being blacklisted in the central bank's database, and so on.
2. Repayment has nothing to do with delivery. In other words, the house loan may have been repaid for 2 years, and the house purchased has not yet been delivered;
3. After signing the sales contract, it is common sense to go through the loan formalities within ten working days, but you can negotiate with the developer to postpone the loan approval procedures, so that you can repay the bank loan in the future; But you must obtain the consent and understanding of the developer, otherwise the developer has the right to investigate your liability for breach of contract and late payment.
Related Q&A: Is there a time limit for mortgage after paying the down payment? Pay the down payment and apply for a loan within one month.
I. Handling loan procedures:
1. Go to the bank to find out the situation first.
2. Apply for individual housing loan with all relevant materials.
3, and then accept the bank's audit, determine the loan amount.
4. Next, you can apply for a loan contract, and the bank will apply for insurance.
5, for property mortgage registration and notarization.
6. The last thing left is the bank loan. The borrower repays the loan every month and cancels the registration after paying off the principal and interest.
Two. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
There are two possibilities for buying an auction house to repay the loan.
1. Pay the down payment and go to the bank to sign the loan contract. After the developer and your information are complete, the bank will immediately approve your loan and give it to the developer, and then you will start to repay the loan.
2. Pay the down payment and sign a loan contract with the bank. Developers may only prepare information when the house is capped or completed, so that banks can approve loans. (In this way, the developer will also ask to sign the contract first, so there are two considerations: First, sign the loan contract when signing the contract, so that customers can run less.
Since many commercial houses are developed by a development company and sold by another agent, it is necessary to see clearly whether the agent and the developer have an entrustment sales agreement when buying this kind of auction house, and only those who have an agreement to sell the house can buy it with confidence. Of course, if you buy a commercial house in a reputable and well-funded development company, you can enjoy more one-time payment concessions, so that you can enjoy the benefits brought by the appreciation of the house.
I'm Aze. I work in real estate in Qingyuan. Pay attention to me and let you buy a house without worry.