Can I still apply for a credit card if I have a mortgage on my house?

Yes. Applying for a credit card is mainly determined based on your family's economic income, property situation, credit status, etc. Mortgaging a house will have a certain impact on the credit card limit. As long as you have no bad credit record, the impact will not be great. I mortgaged my house with China Construction Bank, can I apply for a credit card?

Yes

There are generally two types of application methods, one is to apply through online channels, and the other is to apply through outlets.

When applying for a credit card through online channels, such as mobile banking, WeChat, or the CCB credit card website, you do not need to submit additional financial proof. The bank will focus on the nature of the landlord’s unit, social security, provident fund, personal tax, personal credit, etc. If you check online, if you have not paid much or have not paid, this method is not very recommended

Apply online. This is the traditional method of applying for a credit card. You need to bring your ID card when applying. Proof of work income (work permit from the unit, proof of employment, salary card statement (preferably more than 3 months old), tax bills for the past 3 months, social insurance policies, provident fund bills, etc., not all of these are required, just have them), if If you can attach some proof of financial resources, such as real estate, car ownership, and time deposit certificates from China Construction Bank, it will be very helpful for applying for the card. (When proof of work income cannot be fully provided, it is best to have proof of financial resources) Can I still buy a house mortgage without applying for a credit card?

The amount charged by the credit card will record the borrower’s debt information, and the loan People who have the ability to repay can apply for a loan to buy a house, and a good credit card repayment record is conducive to loan approval.

The process of applying for a mortgage loan:

Select the property;

Confirm whether the property built by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan ;

Apply for a mortgage loan;

Sign a house purchase contract. After the review confirms that the home buyer meets the conditions for the mortgage loan, the home buyer will be issued a loan consent notice or a mortgage loan commitment letter;

The home buyer can sign the "Commercial Housing Pre-sale, Sales" with the developer or its agent. Contract";

Sign a building mortgage contract. Clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations;

Handle mortgage registration and insurance. Under normal circumstances, because the mortgage loan period is relatively long, in order to prevent loan risks, banks require home buyers to apply for life and property insurance;

open a special repayment account;

and After completing the relevant procedures, the loan will be transferred to the developer's bank supervision account at the bank at one time as the purchase price of the home buyer;

The borrower will repay the loan regularly as stipulated in the contract.

Can I apply for a credit card with a mortgaged house and an ID card?

Haha, those with mortgaged houses are considered high-quality customers in the eyes of the bank and can apply for a credit card. This depends on which bank your mortgage is applied for. It is best to China Merchants Bank, first apply for investment promotion, then transportation, CITIC, Guangfa. If you have a stable job, a car or your own company, similar to Minsheng and Everbright, you can apply for large-limit cards, but remember that you must not apply for a credit card. Just for pure consumption, learning credit cards well can help you obtain low-cost financing. However, after all, it is financing cash flow, not profit cash flow. You still need to work harder to make money. In addition, you would rather owe the bank one million in interest. Don't create expectations just for a few thousand dollars. This will be very detrimental to your credit report and will also affect your relationship with the bank in the future. Can I apply for a credit card if I have a mortgage on my house and my ID card?

If I have a mortgage, As long as you meet the credit card application conditions and prepare the corresponding information, you can apply for a credit card. You can refer to the following credit card application process:

Applicants can choose to apply online and contact Apply for a credit card to the credit card opening bank by a credit card salesperson visiting the door or applying directly at the counter;

The staff of the credit card opening bank will review and return the phone number in the application information to verify whether the application information is True, misinformation will directly lead to application failure;

After the applicant passes the credit card review, he will receive a text message notification from the account opening bank and just wait for the card to be mailed;

After receiving the card To apply for activation, you can activate according to the activation method in the envelope. Generally, there are manual activation by phone, SMS activation, counter activation, etc. You can decide according to your own convenience;

After activation, you can use the credit card normally, please pay attention to the credit card Monthly repayment date and repayment amount. I have an overdraft of 500,000 on my credit card. Can I still get a mortgage for buying a house?

If I have an overdraft on my credit card, I can repay it without any problem. There will be no overdue impact and I can apply for a mortgage normally. If I cannot repay as promised, it will affect the house mortgage. loan.

To purchase a property with a mortgage, you need to meet the following conditions:

1. Chinese residents with local urban permanent residence or valid residence status, aged 18-65 years old;

2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan on time;

3. Have self-raised funds of more than 20 RMB of the total price of the house purchased, and guarantee that it will be used to pay for the purchase. Down payment for a house;

4. Assets recognized by banks as mortgage or pledge, or units or individuals with sufficient solvency as guarantors for repaying the principal and interest of the loan and assuming joint and several liability;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank. Can I still apply for a credit card if my mobile phone is mortgaged with my ID card?

Three proofs: proof of identity, proof of employment and proof of financial resources.

1. Proof of identity: ID card

2. Proof of employment: salary slips from social security, work certificate, salary slips, etc.

3. Proof of financial resources: vehicle Driving license, real estate certificate, securities, time deposit certificates, etc.!

The quota will be determined based on the amount and quality of the certificates you provide. Salary is only one aspect. The above three aspects can be combined to finalize your quota. Of course, it also depends on your own needs. Some People can apply for very high quotas, but they do not have such high needs.

Mortgage house credit card

No matter which bank you have a mortgage with, the card issuer will check it when you apply for a credit card. Since you have a mortgage issuer, it will be easier for you to approve it, because another bank will provide you with a house mortgage. Once you get a mortgage, the approval process for the home loan will be stricter. After the house mortgage, when can you apply for a credit card if the loan is overdue 5 times?

After the house mortgage is overdue 5 times, if they are all overdue in the near future, it will be within the past year. You cannot apply for a credit card. There are also strict requirements for credit reporting when applying for a credit card. You cannot be overdue once, cannot be overdue twice in half a year, cannot be overdue twice in a row in a year, and cannot be overdue three times in a row in two years, accumulating 6 times overdue.

1. Bank credit card application conditions

1. The applicant must be between 18 and 60 years old;

2. Have a stable job and income;

3. Good personal credit record.

2. Bank credit card application materials

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a military ID card Copy;

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal) , or a copy of the work permit/plate;

3. Proof of financial resources: it can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/ A copy of your car driving license/bank time deposit receipt) and other documents that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc. Can I still apply for a housing mortgage loan if my credit card is overdue?

The application will be affected. The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information starts from the date of termination of the bad behavior or incident. The minimum period is 5 years; if it exceeds 5 years, it shall be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. If you apply for a loan/credit card business with China Merchants Bank, our bank will not make any negative comments on your usage records. We will only provide you with truthful feedback on your historical usage records without any subjective judgment. If a bad credit report has occurred and there is no doubt about the record, the only thing you can do is ensure good repayment habits in the future.