Miao Miao, a financial friend, worked for five years and finally got enough down payment. The house looks good, but I didn't expect this to happen when I was ready to handle the loan business.
It turns out that Vivi traveled to Tibet last month. She borrowed a loan of 5000 yuan because of the cash flow. Now she hasn't solved it. She borrowed it twice a few months ago, once one day overdue, but she returned it immediately. No one expected that it would affect the life event of buying a house. I'm really sorry.
We know that with the continuous improvement of people's living standards, many people have the concept of consumption in advance. In addition to credit cards, everyone will be exposed to some internet consumer credit to some extent.
For example, borrowing, spending and white bars are all easy to use, and sometimes the interest rate is lower than that of bank credit cards. These products are also rapidly becoming popular among young white-collar workers. But if these products are used too much, will it really affect buying a house as Vivi said? In order to verify this, I found a lot of information in class, and I will talk to you today.
1. Will borrowing and spending money affect your credit information?
The answer is yes.
Ant Financial Customer Service responded that if Alipay has a bad record of using loans overdue, it will collect credit at the meeting, and once you are overdue, it will affect your future loan business and credit card processing, and it will also affect your sesame credit.
But normal use, no overdue, repayment on time every time, although it will also be credited, but the impact is not great, not too frequent.
Therefore, the reason why Caiyou Xiaomiao can't get a loan to buy a house immediately is probably related to her loans overdue.
Second, will borrowing money and spending money really affect individuals buying houses?
I saw a real estate company in class, and his mortgage requirements are like this: credit cards cannot be loaned after they are overdue; If there are records of consumer loans and credit loans in the name, you can't borrow (whether it is settled or not).
After reading this loan requirement, it is estimated that it is difficult for 90% of us to buy a house in this property. In fact, the price of this property is relatively strict, and it is obvious that we only accept the full amount of the house!
However, there are still very few properties with this requirement. Unless a city's purchase restriction policy is very strict and the property capital turnover is insufficient, it will not be so required.
However, I also remind friends who want to buy a house that they must pay attention to their habit of using online loan products, which has little impact, but it is another matter if it is overdue.
Third, what other factors will affect the application for mortgage?
1, credit card overdue.
When a general homebuyer applies for a mortgage, the bank will first check the borrower's personal credit report. If the report shows that the repayment has been overdue for three consecutive times or six times in the past two years, the borrower's application for housing loan will mostly be rejected.
When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.
2. Solvency
When it comes to the repayment ability of buyers, in addition to personal credit records, banks will also focus on reviewing the repayment ability of borrowers. If the debt is too large, or the income and work are unstable, the nature of the work will affect the approval of mortgage loans.
Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.
3. Is it the first time to buy a house?
According to the requirements of the bank, customers who apply for mortgage loans need to have a certain down payment. Generally, the down payment ratio of the first home loan is not less than 30%, and the down payment ratio of the second home loan is not less than 60% (some cities require not less than 70%).
4. Liabilities and housing situation
The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.
The house you bought is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about smaller and older houses.
Fourth, how to buy a satisfactory good house?
If there is a demand for buying a house, we should be careful to use microfinance products such as borrowing money for consumption. First of all, it will increase your credit inquiry times. Second, this is also your debt, and the bank will think that your consumption habits are not good. Third, these "convenient" installment services are likely to cause you to forget to repay.
In order to leave a better impression on banks, we can use credit cards appropriately to save some "credit points" for ourselves, and users with good credit card habits will also be good customers in the eyes of banks.
In short, buying a house is actually a science. In a family, real estate accounts for more than 80% of total assets, or even more.
Research shows that 90% of residents will not buy a house, and few small white people can buy their favorite house at one time. Most of them regret after buying, not buying the house that suits them best or buying a house and stepping on a big hole.
A house is not only a place to settle down, but also affects the quality of life and wealth accumulation for the rest of your life, and even affects your children's future learning opportunities. Don't let the house drag down your children.