2. Online banking inquiry: users can inquire after registering and logging in online banking.
3. Counter-inquiry. Users can check at the counter of the nearest bank outlet.
4. Telephone customer service inquiry. Users can call the bank's customer service hotline for enquiries.
Will you check the credit information twice before you borrow a mortgage?
This depends on the requirements of the lending bank. After all, each bank and city has different requirements for loan approval and inquiry. Some banks will only check the credit once when approving, but some banks will check the credit again before lending.
However, the purpose of the second credit investigation and the first credit investigation will be different, mainly to see whether the lender has a large amount of debt after approving the loan. After all, many people start to apply for consumer loans or spend a lot by swiping their credit cards, which may lead to the lenders being heavily in debt and being rejected by banks.
Can I swipe my credit card after the mortgage is passed?
It depends on the situation. There are two situations: lending and not lending.
1, has been lending money.
After the mortgage is over, the bank has already lent money. In this case, it is useless to swipe a credit card. After all, credit cards are meant for us, not at home. As long as it is a normal credit card, it is not illegal, although you can use it boldly. It should be noted that after using the credit card, remember to repay on time. In order to avoid overdue, you should swipe your card within your ability.
I haven't lent it out yet.
The mortgage has passed, and the bank has not yet lent money. It's best not to use a credit card in a hurry, especially not to spend a lot of money on it. You can check the credit information after the bank has passed and before lending. The loan officer will add the credit record shown in the lender's credit report and the monthly repayment amount of credit card+other+mortgage to calculate the lender's debt. If the total monthly repayment is higher than 50% of the monthly income ratio, the bank will think that the debt is too high and the repayment ability is insufficient, and may not lend.