When using a credit card, if you can repay in full and on time, it will not affect your personal credit information. If your mortgage has been approved, the rational use of credit cards will generally not affect the loan lending.
The basic process of mortgage loan is as follows: on-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the house applying for mortgage loan to inspect the house on the spot; Property right verification; The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority for inspection and go through the relevant formalities.
Signing: the bank carefully checks and verifies the original information of customers, authenticates the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank; Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer; Payment obligation: after the bank has passed the pre-examination, notify the customer to pay the fee; Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank; Bank loan.
Extended data
classify
1, housing loan
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
2. Self-operated loans
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
3. Portfolio loan
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
What will happen if the 2020 mortgage is not completed and the credit card is swiped? Doing these well will help to lend.
After the mortgage is approved, it will not be released immediately. Many friends spend their credit cards during this period, for fear of affecting mortgage lending. In fact, this depends on whether the bank will check the credit information twice and the amount of credit card consumption. Let's have a look.
What happens if you swipe your credit card before the mortgage is released?
Friends who have such doubts are worried that credit cards will affect mortgages and should be discussed in different situations.
First of all, it depends on whether the bank will check the credit information again before lending. It doesn't matter if it doesn't check the credit. After the approval, you can wait for the loan.
If the bank will check the credit information twice, it depends on the amount of credit card consumption, whether it is large consumption or small consumption. If you spend a lot of money and don't pay off the debt before the loan, it will increase your personal debt. If the bank finds new debt, it will question the cardholder's repayment ability and will not lend money. If you use a small credit card and repay on time, the impact will not be great.
How to make mortgage loan go smoothly?
1. Maintain good credit. Before mortgage lending, there should be no bad credit such as overdue loans and credit, and no hard inquiry records such as credit card approval and frequent loan approval. All mortgages have priority.
2. Reduce credit liabilities. You can borrow money from relatives and friends, settle some debts shown in the credit report, or do some part-time jobs outside your own work to increase your income. If your income is high, the debt ratio of credit report will naturally decrease.
The above is the introduction of "the mortgage has not been loaned, and the credit card has been swiped". I hope it will help everyone. In short, if possible, it is best not to use credit cards before mortgage lending, so as not to affect the mortgage.
My mortgage has been approved, but I haven't got a loan yet. I may not be able to borrow money this year. Will my credit card affect my loan?
The mortgage has been approved. As long as the credit card is used normally and there is no overdue debt, the loan will not be affected.
According to Article 18 of the Interim Measures for the Administration of Personal Loans, the loan review shall comprehensively review the legality, rationality and accuracy of the loan survey, focusing on the due diligence of the investigator and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.
Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment. The lender shall establish and improve the borrower's credit record and evaluation system.
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Interim Measures for the Administration of Personal Loans Article 29 In accordance with the loan contract, the lender shall manage and control the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower. Entrusted payment by the lender means that the lender pays the loan funds to the borrower's transaction object that meets the purpose agreed in this contract according to the borrower's withdrawal application and payment entrustment.
The borrower's independent payment means that the lender directly pays the loan funds to the borrower's account according to the borrower's withdrawal application, and the borrower independently pays the borrower's transaction object that meets the purpose agreed in the contract.
The mortgage was passed, but the credit card was swiped.
If the mortgage is passed but the credit card is swiped, this will not affect the mortgage. The mortgage has passed the audit, and the general bank will not check the user's credit.
At this time, whether the user swipes the credit card or applies for a loan again, it will not affect the mortgage. Unless the time between mortgage and loan is too long, the bank may check the user's credit again.
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject).
Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Potential borrower
The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.