having more than one credit card will not affect the loan to buy a house. As long as each credit card is not used, or the used credit card is not overdue or has a large amount of debt, it will generally not affect the loan amount for buying a house. If there is a large amount of arrears or overdue, it will affect the amount of housing loans. If too many overdue times or continuous overdue will seriously affect personal credit records, the house purchase loan may not be approved.

matters needing attention in applying for a mortgage from a bank

1. Quality problems of the house

Once a house has been occupied for decades, once a house purchase contract is signed with a developer and a loan application is submitted to the bank, the procedures and procedures for requesting a refund due to quality problems are quite complicated, which greatly damages the vital rights and interests of buyers. In order to safeguard their legitimate rights and interests, buyers must carefully evaluate the details inside and outside the house during the house inspection.

2. The developer's "five certificates and two books"

Developers have consumed a lot of funds in the early stage of building houses, and some developers quickly withdraw their funds, and often put the real estate on the trading market early without completing the relevant documents. In order to avoid disputes after buying a house, it is suggested that buyers should focus on checking the developer's "five certificates and two books", including the State-owned Land Use Certificate and the Pre-sale Permit.

3. Contents of supplementary contract agreement

In order to promote the transaction rate of real estate, many salesmen of real estate now promise various verbal agreements to buyers. In fact, only when these oral agreements are written into the contract in black and white will they have formal legal effect. Oral agreement will generally be written into the purchase contract in the form of supplementary agreement, which requires the public to pay attention to when signing the contract.

4. The specific delivery date in the contract

Many citizens believe that the year when the developer turns over the key is the delivery date. In fact, this is a common misunderstanding of buying a house. In addition to giving property buyers housing keys, developers should also handle the certificate of ownership for the delivery of housing at the same time. When the delivery date in the contract is ambiguous, it will affect the occupancy time of the buyers and the transfer in the future, but the delivery date must be specific to the end of a certain year.

5. Text specification of house purchase contract

Once both parties to a house transaction sign a house purchase contract, both parties will be bound by law. If there are problems in the purchase contract itself, when there is a housing dispute, it cannot be recognized legally, and the common problem is the text specification of the purchase contract. It is suggested that buyers should pay attention to whether the contract is a unified printed text of the real estate department when signing the contract.