If you are going to apply for a personal housing 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 you apply for, 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.

Second, how can I buy a house in the credit report?

I want to know whether I can buy a house through credit information, mainly to see if there are any of the following situations on credit information, which will affect the loan to buy a house:

First, the Bank of loans overdue. Users who have successfully borrowed from banks will leave a stain on their credit records if they fail to repay in full and on time as stipulated in the contract, and it will be more difficult to borrow from banks.

Second, the credit card is overdue. At present, using credit cards has become a consumption habit of young people. If the credit card is overdue for many times or the overdue amount is relatively large, it will also affect the housing loan.

Third, formal online loans are overdue. At present, there are many kinds of formal credit online loan products. Once this online loan product is overdue, the overdue record will be uploaded to the central bank's credit information system. If it is overdue for many times, it will also have an impact on the mortgage.

4. Secured debt. Guarantee for others will also be reflected in the personal credit report. The guarantor is jointly and severally liable for repayment of the debt, so guaranteeing the debt will also increase the debt ratio of the guarantor. Once the debt ratio exceeds 50% of personal income, banks may question the repayment ability of users and it is difficult to approve mortgages. Banks will not lend money to people who guarantee large debts for others easily.

5. Arrears of utilities and gas charges. At present, the payment of water and electricity fees will also be included in the personal credit report. If the user defaults on one or more of the fees for a long time, it will also form a bad credit record in the credit report. Banks may also examine these data when approving loans, thus affecting users' mortgage approval.

Six, personal credit, using loans or credit cards too many times. Frequent use of loans and credit cards will ruin personal credit information, thus affecting the approval of mortgage loans.

Three, there are two houses (one of which is a provident fund loan), and the bank has no credit record. Can I pay 30% for the first commercial loan?

First, the definition of several properties in Shenyang mainly depends on the credit information system of the People's Bank of China. If there is no repayment record, you can apply for a loan according to the first suite. Second, if you apply for a loan, don't go to the bank where you used to apply for a mortgage-apply for a mortgage now, and they will find out! That's not the first set! Third, and never find out the provident fund!

Fourth, to what extent can you buy a house?

There are the following requirements for buying a house: 1. Basic information: ID card, name, application, date of issuance, marital status, and whether personal information is legal, valid and true. 2. Credit record: whether the mortgage, credit card, commercial loan and student loan are repaid or settled on time. 3. Public information: whether water, electricity, gas and communication are in arrears, and whether they are included in the list of people who have lost their trust. 4. The possibility of mortgage loan is relatively small, so before applying for mortgage loan, you can eliminate more debts and improve the pass rate. 5. The "overdraft balance" and "used line" in the credit inquiry reflect the amount of money you owe to the bank (including principal and interest), which are just two representations adopted by different business types. Extended data:

Credit inquiry records. Credit inquiry will show the inquiry records of the last two years, and will be pushed back according to the day of inquiry in the credit inquiry report, and the inquiry records of more than two years will not be reflected. Under normal circumstances, banks will look at the inquiry records of the last three months or half a year, that is, loan approval, credit card approval, guarantee qualification examination and so on. , and generally there will be different requirements, only the records of the last six months will be queried; Personal housing mortgage, also known as "personal housing mortgage". The amount of personal housing mortgage loan issued by the bank is not higher than 80% of the value of the house purchased by the real estate appraisal agency or the actual total cost of the house purchased (whichever is lower). Credit card records only show the last 24 months, and previous records are hard to find. So don't cancel your credit card after you have a bad record, and don't care if the bank urges you to cancel it in time. As long as the cardholder spends at least 1 yuan every month in the next 24 months and repays on time, the previous bad record can be overwritten and a good record can be regenerated without affecting the subsequent credit. Conditions for purchasing a house with provident fund loan: 1. Conditions for applying for provident fund loans to buy a house According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows: First, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have been paid into the housing provident fund for six consecutive months before applying for loans. Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%. He has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased. Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the joint housing buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children. Second, the housing provident fund loan process: Step 1: Application: The lender provides the information needed for the loan to the provincial provident fund management center as required. Step 2: The bank conducts credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time. Step 3: Sign the loan contract: The lender will sign the loan contract at the bank with relevant information. Step 4: Go through the formalities of housing property insurance and mortgage registration: the loan must go through the formalities of insurance and mortgage registration. Step 5: Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account jointly designated by the borrower and the seller according to the date agreed in the contract, and send the loan receipt to the borrower. Step 6: Loan recovery: The lender will repay the loan according to the loan contract from the next month. Step 7: Loan settlement and cancellation: After the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration and cancellation procedures.