The online loan is not overdue and will not affect the mortgage.
Information required for mortgage application:
The borrower's valid identity card and household registration book.
Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce).
If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.
The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row).
Real estate title certificate.
Guarantor (ID card, household registration book, marriage certificate, etc.). Is required).
Second, if the wife has overdue online loans, does it affect her husband's application for loans from the bank?
Legal analysis: most online loans are not overdue and will not affect mortgages. Mortgage loan: mortgage loan requires a house to have strong liquidity within 20 years. The amount of mortgage loan is 80% of the appraised value of the house. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.
Legal basis: People's Republic of China (PRC) Contract Law.
Article 205 The borrower shall pay interest within the agreed time limit. If there is no agreement or unclear agreement on the time limit for paying interest, and it cannot be determined according to the provisions of Article 61 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.
Article 206 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.
Third, the husband and wife borrowed money to buy a house, and the credit record of the subprime lender has a record of online loan, but it is not overdue. ...
If you intend to apply for a personal loan in China Merchants Bank, whether the approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of the local China Merchants Bank outlet for further verification.
4. Does the spouse have an online loan that does not affect the overdue mortgage?
Couples who buy a house have a lot of online loans, but they are not overdue, which does not affect the other party to buy a house. Buying a house after marriage belongs to buying a house on a family basis. The bank will not only check the credit information of the main lender, but also check the credit information of the spouse. As long as the spouse is not in bad credit, even if there are many credit records, it will not affect the mortgage approval. If the online loan record is not on credit, it will have no impact. Bad spouse credit information, such as many overdue records of online loans, will directly affect the results of mortgage approval.