Can I get a loan to buy a house without a credit record? Very good chance!

Nowadays, credit reporting has become an important document that people cannot live without. No matter what financial business they handle, it will be more or less related to credit reporting. Many people think that their credit reporting records are blank. The good thing is that if you want to buy a house, having no credit record is not necessarily a good thing. Let’s talk about this aspect today.

1. Basic conditions for buying a house with a loan

1. Aged between 18 and 65 years old, provide the identity certificate, residence certificate, and income certificate required by the bank, and have full civil capacity. natural person.

2. The sum of the applicant’s age and loan period shall not exceed 70 (different banks have different regulations).

3. There is a housing purchase contract or agreement, and the borrower pays a down payment that meets the requirements.

4. The borrower has a stable income and the ability to repay the principal and interest of the loan.

5. Personal credit report is good.

2. Can I get a loan to buy a house without a credit record?

Yes. Many banks with low thresholds have relatively low credit requirements for home buyers. No credit record equals a black account. Even if there are many credit records, there are overdue and default records, which will definitely have an impact on housing loans.

No credit record just means that there is no reference material. The bank will judge your repayment ability based on other information, and will lend money if you meet the conditions, so there is no need to worry too much.

It is suggested that you can use some financial tools to develop a good credit score, which will help you buy a house or a car in the future. For example, apply for a credit card, use this card for daily consumption expenses, and obtain appropriate installment loans. The limit can be increased quickly. Next time you apply for a mortgage, the bank can judge your integrity through your limit and repayment record, which is very helpful.

Can I get a loan if my personal credit report is blank?

Credit reference is a content that directly reflects the credit situation of the borrower. Credit reference is also an important factor affecting whether a financial institution will lend money. Someone asked me whether I can get a loan if my personal credit record is blank. Today, let me answer it for you.

Personal credit report blanks are actually what we usually know as credit white accounts. So can people with white credit get loans? The answer is of course yes.

Although under normal circumstances, when a borrower applies for a loan, the lending institution will require the borrower to have a good personal credit record. Then, if the borrower has never had a credit card usage record or a loan application record, he or she has no personal credit record, which is the so-called personal credit record blank.

The credit report of a person who has never applied for any loan or applied for any bank credit card will be blank, with no content except basic personal information. Is it easy to apply for a loan? It can only be said that it is possible for people with blank credit records to apply for loans, but they are not the most popular customer groups of lending institutions.

Lending institutions like customers with good credit records most. Those who have applied for loans many times or have been using credit cards normally and have not had any overdue loans or credit cards are considered to be a group with good credit records. A person with a blank credit record will only be better off applying for a loan than a person with a poor credit record and will not be directly rejected by the lending institution.

What I need to tell you is that some loan platforms do not look at the user’s credit report. If your third-party credit is good, you can successfully apply for a loan. For example, Alipay's Jiebei, Xiaomi's Xiaomi loan, etc. are all this type of loans.

In addition, you can also apply for a credit card and keep a record of on-time repayment. Then your credit will not be blank. It is also very simple to say goodbye to a blank personal credit report. However, you must pay attention to repaying the loan on time and not overdue, otherwise it will be very troublesome to become a credit loan user.

Can I get a loan without a credit report?

Generally speaking, yes.

Generally speaking, having no credit history will not be an obstacle to successfully applying for a loan, unless individual banks provide otherwise.

In addition, if you successfully apply for a loan, the borrower must pay attention to the maintenance of personal credit and develop a good habit of repaying the loan in full and on time.

Personal credit report:

It is an objective record of personal credit information. All personal credit payment history is recorded. Including:

Performance records resulting from credit relationships with financial institutions;

Performance records resulting from lending relationships with other institutions or individuals;

With commercial institutions , performance records resulting from credit purchase relationships with public utility units;

Contract performance records resulting from economic relationships with housing provident funds, social insurance and other institutions;

Underpayment of taxes and fees payable according to law Records; various commendation records;

And other criminal penalties, administrative penalties, administrative sanctions or civil compensation records that may affect personal credit status;

Personal credit report is the credit grantor An important reference for quickly and objectively deciding whether to grant credit to a fiduciary.

Bank loan conditions:

Personal credit loan conditions:

1. The borrower is over 18 years old and a natural person with full civil capacity;

2. The borrower has a permanent residence or valid residence status in China; provide valid personal identity certificate;

3. The borrower has a good credit record;

4. Have the ability to repay the loan, and provide proof of stable income, bank procedures, and labor contracts;

5. Loan proof purposes: house purchase contract, car purchase contract, enrollment certificate, investment plan and other documents;

8. Other conditions stipulated by bank lending institutions.