If you have problems with your credit report, you cannot get a loan to buy a house. As long as you apply for a loan, whether it is a home loan, a car loan, or a consumer loan, banks, Internet finance companies or other financial institutions will check the borrower's personal credit report. The information in the personal credit report determines whether the loan will be approved.

What behaviors affect personal credit reporting?

1. Overdue credit cards

Many people now have credit cards, and overdue credit cards are also common factors that affect personal credit reporting. situation. Everyone should pay attention when using credit cards. Generally speaking, if the credit card is overdue for three consecutive times or a total of six times within two years, or if overdrafts are not repaid, personal credit will be affected.

2. Too many credit report inquiries

Buyers who take out loans to buy a house will check their credit records before buying a house, but too many credit record inquiries will also have an impact. Personal credit report. Because the number of inquiries, which banks make inquiries, and the purpose of inquiries, etc., all objectively reflect the customer's credit level. If you only have one loan under your name, but your credit is inquired by multiple banks, the bank has reason to doubt your ability to repay the loan. Not good and considered a risky customer.

3. Debt is too high

When approving a home buyer's loan, the bank will also examine the home buyer's loan repayment ability and debt situation. If the bank finds that your debt ratio is too high, , and if the personal income reaches more than 70%, the bank will question its repayment ability, and it will be difficult to apply for a loan.

What should couples pay attention to when buying a house with a loan?

Although taking a loan to buy a house provides convenience to everyone, it is actually a more troublesome thing for home buyers to get a loan to buy a house, especially When applying for a home loan in the name of both husband and wife, there are many things that everyone needs to pay attention to:

1. Determine the primary lender

When a husband and wife buy a house with the same loan, they need to choose one of them One person serves as the primary lender. In most people's minds, a man is the backbone of a family. Naturally, one must choose the man as the primary lender when taking out a loan to buy a house. In fact, who should be chosen as the primary lender must not be swayed by past concepts. It should be considered based on the actual situation. The editor recommends that the primary lender should choose a party with a higher and more stable down payment to facilitate a higher loan amount.

2. Agree on the property share

Nowadays, many couples will have property disputes, so couples who want to buy a house with the same loan must agree on the property share in advance. At this time, it should be noted that the confirmation of the primary lender does not necessarily mean that the property shares have been divided. These are two different things.

3. Be present at the same time when signing the contract

There are many formalities involved in buying a house, especially for those who buy a house with a loan. Both husband and wife must be present in person when signing the contract. This is not a question of trust or distrust. , but apply jointly in the name of husband and wife. The bank will examine the qualifications of both husband and wife. In addition, they must sign at the same time when handling relevant procedures.