This is very important. When buying a house with a loan, the bank will examine the lender's credit information and liabilities. If the credit card repayment is overdue or the total amount of credit card processing is high, the bank will take these two items as your credit information and debt score, which will bring trouble to the house loan. High credit card debt ratio may affect the use of mortgage loans and credit cards. It is basically difficult to find out whether there are overdue loans, too many overdue times or overdue loans for more than 90 days.

Housing loan conditions

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence.

2. Have a stable occupation and income.

3. Have the ability to repay the loan principal and interest on schedule.

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing.

6. When applying for a loan, there is a deposit of not less than 30% of the funds needed to purchase a house in the Construction Bank. If you apply for a policy-based personal housing loan, you should deposit the housing provident fund in the Construction Bank as required.

7. Other conditions stipulated by the lending bank.

Matters needing attention in buying a house and signing a mortgage loan contract in the bank

1. Both husband and wife of the buyer and seller must be present, and the property right of the house must be clear and uncontroversial, otherwise the property right problem must be solved first.

2. Both the buyer and the seller need to bring the original and photocopy of the basic documents, namely: ID card, household registration book, marriage certificate of the buyer and the seller (single person with the original single certificate), buyer's income certificate, bank running certificate, certificate of no room or first suite, down payment certificate (the down payment can be paid to the seller by bank transfer at the loan bank after signing the contract), and a repayment card can be opened at the loan bank. Copies and originals of the house purchase contract and real estate license (copies of mortgaged houses are also provided). If a real estate agent is involved, a tripartite agreement is needed. The payment card opened by the seller in the loan bank will be checked, verified and copied by the bank loan officer.

3. The loan officer and the buyer and seller take photos respectively.

4. The buyer and the seller sign relevant bank format contracts, various statements and IOUs, all of which are signed by handprints, and stamp duty is paid according to the loan amount.

5. After the face-to-face signing, the bank leaves with the original, waiting for the appraiser to come to the door for evaluation and loan approval.

If you are not clear about the process and precautions, please ask the loan officer or loan agent in advance.