Task occupation pit

Second, is it important for CCB to purchase parking spaces with credit card installment loans?

Most importantly, all credit businesses, from mortgage, credit card, credit card installment business to credit line adjustment, are closely related to credit reporting, which is also the most important. With a bad credit record, nothing can be done.

Therefore, it is very important to maintain good credit.

Third, to apply for a car park loan with property rights, CCB said that the credit card was used in a large amount and refused.

Nowadays, buying a parking space has become a headache for many car owners. It is not only expensive, but also difficult to find a lot of money. Because the residential area is limited and the parking space is limited, many developers buy and sell unreasonably. Many owners are not clear about the relevant laws and regulations, and they are often confused when buying parking spaces. The following are five points for attention:

Let's see if we can apply for a parking space and sell a unique warrant. Buy a parking space, do it or not.

Second, the limited validity of the leased parking space is only 20 years. According to the contract law, the lease term shall not exceed 20 years. More than 20 years, more than part is invalid. "

Third, it is forbidden to buy and sell civil air defense. According to the current laws and regulations on residential planning, the common space, parking spaces included in the pool area and all owners of residential areas are prohibited from buying and selling, and developers or property companies have no right to sell.

Fourth, you can't use provident fund loans to buy a parking space. You can't use provident fund loans to buy a parking space. The relevant staff of the bank explained that according to the national Regulations on the Management of Housing Provident Fund, housing provident fund is a long-term housing construction, renovation, overhaul and housing paid by units and employees, and no unit or individual may use it for other purposes. Therefore, under the current laws and regulations, provident fund loans cannot be used for buying houses.

Fifth, the relevant rules of parking spaces should be written into the contract.

Insiders pointed out that in order to avoid unnecessary, buyers had better write parking details into the contract. For example, when the contract is signed, if the parking space is purchased together with the house, the buyer and the developer should clearly stipulate the scope, number, pre-sale area and pre-sale price of the parking space in the supplementary terms of the pre-sale contract. If it is best to have a floor plan, they can sign a contract with the developer separately, and the details above should be stated, and the contract should be filed separately.

Four. How to solve the problem of CCB bulls refusing to grant credit?

Multi-head credit granting is because the accumulated credit card limit is too high due to handling credit business in two or more banks/financial institutions, so excessive credit, credit cards and other loan products are the reasons for multi-head credit granting. Therefore, it is necessary to eliminate multi-head credit according to the specific credit situation: 1. If it is because of the credit of the credit card, it must be eliminated by canceling the credit card. How to eliminate CCB's multi-head credit? However, the cancellation of credit cards is not arbitrary. First, cancel those credit cards that are usually useless, then cancel the small cards, and then cancel the credit cards that are difficult to withdraw. I would like to remind you that it is best to keep the credit cards of the four major state-owned banks, because most of them handle car loans and mortgages. 2. If it is a loan, it needs to be settled. It is suggested to start with some online loans, such as Ant Borrowing and JD.COM White Slip, which are all used for credit investigation and should be used with caution. Remember to ask financial institutions to issue a loan settlement certificate after the loan is settled, and some banks will ask for it. : 1. Is the long credit bad? How to eliminate the multi-head credit of CCB? Once, a friend wanted to apply for a loan from CCB. Before applying for a loan, he had credit cards from seven banks, with a total credit of 65,438+10,000. Although it was not overdue, it was rejected by CCB. CCB's remarks on his application are that he has many credits and bad credits, and he is required to cancel many credits before handling them. In fact, there are many similar situations. Many people with multiple credit lines have applied for credit cards or loans in two or more banking institutions, and the total credit line is relatively high, which often makes banks feel a sense of crisis. After all, if the cardholder is unable to repay after overdraft, it will easily lead to a large-scale overdue, and the bank will be in trouble if it wants to recover the money. 2. What about the bad credit caused by multiple credit lines? There is only one solution, that is, eliminating multi-head credit. It must be clear whether too many credit cards lead to multiple credits or too many loans are processed. How to eliminate the multi-head credit of CCB? However, in most cases, it is because you have credit cards from more than three banks. After all, it is much easier to apply for a credit card than a loan. In this case, the credit card will be cancelled. It is suggested that it is best to cancel the account rather than return the card. After all, card withdrawal is only the cancellation of a single credit card, but if the bank has multiple credit cards, these are all shared credit lines. Unless the credit card with the highest credit limit is cancelled, it will have no effect on reducing the credit limit. Cancellation of an account can directly cancel all credit cards of a bank, and there will be no credit line after it belongs to a new account.