First, the consequences of overdue
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Second, the factors that affect mortgage loans are as follows
1 the nature of your job
The nature of your job often reflects your income level and income stability. Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.
There is less running water in the bank.
If there is little running water or effective running water, the bank will think that you lack "repayment ability". The definition of "effective flow" is very important. "Book on the same day, take it out on the same day" and "one-time transfer in, one-time transfer out" are definitely invalid.
3. The credit card has expired.
When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card _1-2] _ 2017121,which is issued by commercial banks or other financial institutions and has all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.