If the borrower's credit card is overdue, it will affect your application for mortgage. Therefore, it is recommended to maintain your good repayment habits when using credit cards, otherwise it will be more difficult to apply for a mortgage in the future. Because once the overdue records are generated, you need to pay off the arrears, and then wait for five years, and the overdue records will be automatically deleted. During the existence of overdue records, borrowers may be refused various loans.
What should I pay attention to when buying a house with a loan?
I. Basic conditions
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2. A house purchase contract has been signed with the company, and the down payment ratio stipulated by the bank has been paid according to the personal credit situation, which is less than 20%;
3. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.
Second, the general provisions of the business
1. Generally, the loan term is less than 30 years, and the loan maturity date cannot exceed the borrower's age (male) of 65 years and (female) of 55 years in principle.
2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
3. The main repayment methods of mortgage are divided into average capital and equal principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest every month, and the monthly repayment amount remains unchanged (interest rate adjustment changes).
Three, should provide the following information
1, the house buyer has received more than 20% of the house price in the house purchase contract signed with the company;
2. The valid identity certificate and marital status certificate of the purchaser (marriage certificate or single certificate);
3 proof of income of the purchaser (provided by the sales office bank);
Fourth, the housing mortgage loan process
1. The project sales team signs a house purchase contract with the purchaser and pays the required down payment according to the contract requirements;
2. Register the contract in the core market of real estate transactions within 5 days from the date of signing the commercial housing sales contract.
3. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the company's cooperative bank. Specifically, it includes: house sales contract (registration), house payment receipt, ID card, marriage certificate, income certificate and other materials that the bank considers necessary.
4. The loan bank investigates and reviews all aspects of the situation and procedures of the buyers, and goes through the preliminary procedures together with the buyers who meet the basic conditions (including the buyers' wives), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.
5. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.