Can't I apply for a mortgage if I have a few bad records in my personal credit report? 1. Generally, banks that are overdue for more than three times are not allowed to lend, but the regulations of all banks are
2. If it can be proved that the repayment is overdue, it will also help the loan.
It is suggested that the loan should be repaid in time in the future. If it is seriously overdue, it will affect personal credit.
Can't I apply for a mortgage with a bad record? When is your credit card record? If it exceeds five years, it should be eliminated. If it is recent, I can only suggest that you go to some gray programs. There are people in society who can get rid of bad records. But I can't guarantee that you can find it. oh You can Baidu it. There should be relevant information. When the time comes, people will not destroy the money they cheated you. oh It's best to find someone who can meet and talk. Then the loan should not be a problem.
The bad record of personal credit information will be automatically eliminated within five years after the non-performing loans are paid off in a few years. Remember that the premise is to pay off the debt. It will not be eliminated until it is paid off.
How to apply for a loan with a bad personal credit record? For borrowers with bad credit records, if they want the reasons for the formation of loan records, they should apply to the bank to modify the credit records after solving them. Or get loans through other channels. For example, a guarantee company has a high probability of successful approval as long as it requires information.
The most important thing for black bank customers is to find ways to repair their personal credit records. Credit records are not for black bank customers. They should try their best to repair their credit records. For example, if you have a personal credit card, you should regulate your consumption and repay it in full and on time. The rest of the loan behavior should also be taken seriously. Generally, after two to three years of repair, you can basically restore your personal credit record, and then you can apply for a loan from the bank.
How to eliminate the bad records of personal mortgage credit investigation cannot be eliminated according to the requirements of the system. It can be preserved for five years from the date of debt repayment. If you have a hard relationship with the bank, the bank can report it, deliberately saying that your credit information is wrong, and you can correct it in advance.
But this operation is very difficult, because people who make mistakes in your credit information will be dealt with. It's difficult to operate, wait five years.
There are several bad records in personal credit records. The bank's credit record is very important to the applicant. A good credit record shows that you are willing to repay and the bank is willing to give you a loan. If you have a bad credit record, it is generally overdue for three consecutive times or accumulated for more than six times in the past two years, and basically you can't get a bank loan temporarily.
There are five overdue records of personal credit information, one of which is more than 90 days. Can I still apply for a mortgage? It's over!
It is understood that once bad records are generated, it is difficult to eliminate them in a short time. According to the regulations, bad records will be kept for five years, and credit reporting agencies that have exceeded five years should be deleted. However, when banks inquire about the borrower's credit records, they mainly refer to the repayment records in the past two years. If there is no "stain" on the credit record during this period, and the amount involved is not high and the overdue time is not long, then you can apply for a loan. In addition, if the borrower's bad credit record is not malicious, he can apply to the original bank to issue relevant certificates and apply for loans with the certificates.
It should be noted that if the credit card has been used for overdue repayment, the overdue record still exists even if the credit card is cancelled. In this case, the best way is to keep a good repayment record or continue to use the credit card in the future, and then cover the bad record with a good record, thus generating a new good credit record.
What should I do if my personal credit inquiry has a bad record? Personal credit is bad, that is, you can't get a credit card in all banks, so you can't get a loan. Buy a house in full. If you want to eliminate bad records, you must pay off the arrears, and it will take five years from the date of repayment to eliminate bad credit records.
2. What are the inquiry methods for individual housing loans?
With the progress of science and technology and the development of society, every family now wants to own their own house and live happily together. But if the funds are not enough, you may not be able to buy a house, and it is impossible to wait until you earn enough money to buy it, which often wastes the waiting time. Now the bank provides convenience for everyone, you can borrow money to buy a house, and then pay it back slowly. Then, in the process of buying a house by loan, we would like to inquire about the personal housing loan. How should I inquire? Let's learn about the method through the introduction of rabbits!
Personal housing loan introduction:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan.
Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).
Personal housing loans are used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland. China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
Inquiry method of personal housing loan
Every bank has different inquiry methods, and so do commercial loans and provident fund loans. We take ICBC's personal housing loan inquiry as an example:
I. Personal housing loan 1 query. The online banking inquiry process is as follows:
Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information);
Second, personal housing loan inquiry 2, telephone banking inquiry process is as follows:
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
Three. Personal housing loan inquiry. Inquiries about bank outlets are as follows:
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Well, the above is the inquiry method of personal housing loan that Bunny briefly introduced to you. There are three ways, which are actually quite convenient. If you don't trust the operation of the computer, you can choose to call the customer service phone of the bank to operate. If you don't like this way, you can try the last way, and bring your ID card to the nearest outlet for inquiry, so you can rest assured. The most important thing is to choose the method that suits you.
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Third, how to query personal mortgage records
Lenders can find their loan records when they go to CCB with their ID cards.
It's like checking deposit records.
Also, you can check it in the credit information system of the People's Bank of China.
You can find all the loan repayment records