Personal credit information mainly records loans, credit card overdue records or quasi-credit card overdraft records for more than 60 days in the last five years;
Personal credit records, public information, and summaries of inquiry records of credit reports in recent two years. The inquired records generally show the reasons, methods and times of inquiry of the institution, as well as credit records, public records and inquired records.
Extended data:
It is normal to inquire about the daily account when buying a house with a loan, and the real and effective daily account can be used as proof of the loan information.
Married people lack running water when they borrow money to buy a house, which can provide running water for both husband and wife. As long as both husband and wife meet the requirements, they can also apply for loans.
If the borrower of quasi-housing loan is short of liquidity, it can be solved in the following ways:
1. Providing provident fund deposit certificate and personal tax payment certificate can replace bank flow. Some banks agreed to use "personal tax payment certificate, provident fund deposit certificate and personal social security certificate" instead of bank running water.
2. Provide housing loan guarantee. Some banks allow borrowers to provide valid guarantee certificates, plus income certificates issued by units. If you can prove that your overall repayment ability meets the requirements, you will also lend. However, due to different banking policies, it does not apply to all banks.
3. Increase the down payment ratio. If the borrower's bank flow does not meet the requirements and can't provide proof, it can only increase the down payment ratio and reduce the loan amount to his repayment ability.
References:
Baidu Encyclopedia-Bank Running Bill