1. I am an illegal bank account, and I want to buy a house. What should I do?

The blacklist is divided into several situations, within two years! Two years ago

the current recovery period and whether it has not been handled all the time depend on individual circumstances! The point is that the lender organization is a bank! Private! Management and relative demand are different

Blacklist property mortgage! Ignore the problem of credit investigation

inheritance, gift, large apartment, and restricted sales will not be reduced, and you can enter after the lawsuit is executed! The more you can repay the loan on the spot, the faster it will be. Second, how to handle the black household mortgage?

black households can also try the following ways to borrow money

1. Find a lender who values personal credit, pays more attention to corporate loans, and can provide collateral

2. Private lending

3. Banks try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

4. In this case, the loan company may ask the borrower to provide more proof of repayment ability when handling the loan. For example, the loan institution may increase the loan amount of the borrower by examining whether there is collateral under the borrower's name and whether there are various situations before lending, depending on the situation.

third, how to handle the mortgage of black households?

black households who want to apply for loans can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans. Find a loan company. Loan companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds.

fourth, how can I apply for the black and white credit card to be opened?

If there is an overdue record in the credit information, I tell you clearly that it is impossible to open the JD.COM White Bar unless the deposit is pledged to the small vault.

if your credit is overdue, first analyze the nature and the length of overdue, and seek a solution to deal with it as soon as possible, so as to restore your credit as soon as possible, thus leaving a chance for your future car loan.

1. overdue can be divided into:

bank reasons: for example, some policy adjustments of the bank did not inform customers in time, or system reasons, all of which belong to the bank. You can directly contact the bank to explain the situation and ask for the elimination of overdue.

Non-subjective reasons: due to personal negligence, forgetting to repay or misreading the amount and underpaying, you don't want to be overdue subjectively or maliciously. First of all, you'd better repay all the arrears immediately to show your sincerity; Thirdly, call the bank's customer service to explain the situation and strive for understanding. Some people hope that the bank will cancel the overdue records.

information theft: if personal information is stolen without knowing it, or the card is overdue due to theft, you can apply to the People's Bank of China to eliminate bad records.

Never break a jar or break a card when it is overdue. In general, most banks can provide time tolerance service for overdue within 3 days, and it is stipulated that it can be repaid within 3 days after the repayment date, which will not affect the credit investigation. However, if the overdue period exceeds a certain time, the longer the overdue period, the greater the impact. Usually, if it is overdue for more than 3 months, there will be a collection company to deal with it. In the early stage, it is usually a SMS reminder, and it will go directly to the door later, and it may even rise to the criminal level. At the same time, the number of overdue times also has an impact, and the more times, the worse. Usually, once the credit card is overdue, in addition to paying interest, you have to pay liquidated damages. It was blacklisted if it was overdue for more than 3 times in 2 years.

second, the difference in the length of overdue time [here are the differences between overdue for 3 days, 3 days and 9 days]

1. overdue for 3 days

unintentional overdue within 3 days of the last repayment date is not overdue. Because most banks have a time tolerance service, and the so-called time tolerance means that the repayment date can be postponed appropriately, usually 2~5 natural days after the repayment date, as long as the repayment is not overdue within the grace period. The specific grace period needs to consult the issuing bank.

2. 3 days overdue

If the overdue period is about 3 days, the credit card column in your credit report will be counted as "1". But this kind of overdue can try to negotiate with the bank and pay off the arrears at the same time. Explain the situation to the bank during this time. Cardholders must provide evidence that they are not maliciously overdue. This situation requires a rigorous treatment plan.

3. Those who are overdue for 9 days or more for

three consecutive months can be regarded as malicious overdue, and will be recorded in the credit data report, which will never be eliminated. The only way is to re-create a good personal record. In addition to credit reporting, big data will also leave a stain, which can be found on WeChat: Lan Bing data, which can view the user's application times, online loan data, online black index score, hit risk warning, information, arbitration case information, untrustworthy information and other data.

if it is overdue for a long time, the personal credit record will be stained, and the penalty interest will be charged. (This kind of overdue can only be contacted with the bank actively and repaid as soon as possible)