Hello, yes, those with bad credit records choose to apply for mortgage loans. In contrast, if they have a bad credit record, the chances of getting a mortgage loan will be higher.
Under normal circumstances, if you want to apply for a mortgage loan directly from the bank, it is easier to be audited by the housing mortgage loan. If the borrower's credit is overdue for no more than three times or for no more than 90 consecutive days, it is more likely to get a loan through the loan company if he provides the house as collateral and ensures that all procedures are complete.
In addition, if the borrower wants to get the loan as soon as possible under the condition that the conditions are not very good, he can also apply for the loan directly through the local loan company or loan intermediary.
Hope to adopt. Thank you.
Can I apply for a mortgage loan if my credit information is seriously overdue?
1, yes, provided that the number of overdue requests for personal credit information is generally no more than 6 times, and there cannot be three consecutive overdue requests. 2. Basic conditions of housing mortgage loan: 1. The borrower owns a large private property house in Tianjin that has obtained the property right certificate, and the property right is clear and clear; 2. Housing types include individual houses, shops, apartments, villas, affordable housing, etc.; 3. The loan is mainly used for personal car purchase, decoration, travel, going abroad and purchasing furniture. ; 4. The borrower must be at least 18 years old, and the borrower's age+loan period shall not exceed 65 years old; 5. The basic requirement of housing area is more than 40 square meters, and the house age is 30 years; 6. If the property is mortgaged or mortgaged, you can directly apply for two mortgage without paying the final payment; 7. Households under the names of parents and relatives can also apply for mortgage loans, as long as the property owner agrees; 8. If the property owner is too old, it can be handled in the form of a tripartite mortgage loan; 9. Personal credit information that is overdue and dissatisfied can be successfully processed;
Can I still apply for a loan if it is overdue before? Need to see the overdue situation!
When it comes to applying for loans, as we all know, good credit information is a necessary prerequisite for many loan products. Many people are overdue when using credit cards or loans, thinking that they can no longer apply for loans. Can I still apply for a loan if it is overdue before? This actually depends on the overdue situation. Let's have a look.
Can I still apply for a loan if it is overdue before?
Whether you can apply for a loan after overdue before depends on the overdue time, overdue times and overdue amount.
1, overdue time
If the loan applicant has been overdue before, but the overdue arrears have been settled for five years, the overdue records on the credit information will be automatically eliminated after five years, which will not have any negative impact on the current loan application.
The overdue time is nearly two years, which will have a great impact on applying for loans. When applying for a loan, the general lending institution will only check the overdue situation of the loan applicant in the past two years.
If you apply for a credit loan, many lending institutions will require the borrower to have a good credit record, not a bad credit record. If there is an overdue record in the past two years, it will often be directly refused.
2. Expiration time
If the loan applicant is overdue for more than six times in the past two years, or has three consecutive overdue records, it belongs to the black account of credit investigation, and the loan application will be rejected every second.
There are only one or two overdue times. Under normal circumstances, you can also apply for mortgage loans and secured loans, and you can also apply for some credit loans that need to be relaxed.
3. Expiration time
If the loan applicant is overdue for more than 90 days, it is a credit black account, and it is difficult to successfully apply for a loan. As long as it is overdue for one or two days, many loan products or credit cards will give a grace period of 3-5 days. Repayment within the grace period is not considered as a credit report, which has no negative impact on loan application.
To sum up, can I apply for a loan if it is overdue before? You need to analyze it according to your overdue situation, which can't be clearly stated in one sentence.
Can I apply for a mortgage loan if my credit is overdue?
When a customer applies for a mortgage loan, the platform will carefully review the customer's qualifications. Once the customer is found to have overdue records, it will be considered that the customer has credit risk. Even if customers can provide collateral, the platform will have concerns.
If the customer wants to apply for a mortgage loan, the following conditions must also be met:
1, the customer's credit information is good.
2. Customer income is stable.
3. The customer's age meets the requirements.
4. The client has full capacity for civil conduct.
5. The customer debt ratio is not high.
6. The collateral provided by the customer meets the requirements.
Customers can apply for loans after meeting the conditions of lending institutions, but the amount of loans they can apply for depends on the market value of collateral provided by customers. The higher the value of collateral, the higher the loan amount they can apply for.
Because mortgage loans need to go through many processes, the platform also needs to take time to evaluate the value of collateral, and the next payment will take a little longer, so customers can pay attention to the loan process in time.