Is a credit card necessary for a house purchase loan?

A credit card is not required for a house purchase loan, but if the credit card debt is not repaid and is blacklisted, it will affect your creditworthiness and you may not be granted a loan.

Loan conditions

The borrower must meet the following conditions at the same time:

(1) Have a legal identity.

(2) Have stable economic income, good credit, and the ability to repay the principal and interest of the loan.

(3) Have legal and valid contracts, agreements for the purchase, construction, and overhaul of housing, as well as other supporting documents required by the lending bank.

(4) Self-raised funds for more than 30% of the total price of the house purchased (for those who purchase self-occupied houses with a floor area of ??less than 90 square meters, the self-raised funds ratio is 20%), and Guaranteed to cover a down payment on a home you are purchasing.

(5) There are assets approved by the lending bank for mortgage or pledge, or (and) a legal person, other economic organization or natural person with sufficient solvency as a guarantor.

(6) Other conditions stipulated by the lending bank.

Extended information:

Loan information that the borrower needs to provide

(1) Valid identity certificate

1. Both the borrower and his wife ID card (original and two copies);

2. Household register (one copy of the original);

3. Marriage certificate (original and one copy) ;

4. If you are unmarried, you need to fill in the unmarried declaration, and our bank will keep the original copy;

5. Those who are divorced or widowed need to provide divorce certificate or agreement, judgment, and spouse’s death certificate (original and copy 6. A copy of the real estate certificate of the complete house actually owned by the members of the family to be purchased (including the borrower, spouse and minor children).

(2) Proof of income or relevant materials that can prove the borrower’s income and repayment ability

1. Proof of salary income: bank standard certificate or letter of introduction from the unit;

2. In addition to administrative institutions, national civil servants, general enterprises and limited companies other than state-owned enterprises, the borrower must provide company income certificates, and three months of bank statements (bank seal confirmation is required);

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3. Lease income (original and copy of the lease contract);

4. Other certificates of rights (such as time deposit certificates, treasury bonds, investment insurance policies, etc.);

< p>5. Private business owners and individual industrial and commercial households must provide business licenses, organization code certificates, tax registration certificates, tax payment certificates for the past three periods and three-month statements of public accounts. Do I need to apply for a credit card to get a bank loan?

It is not necessary to apply for a credit card from a bank to get a loan. According to the current situation, you do not need to apply for a credit card from this bank for a general loan. After successfully applying for a loan, the borrower only needs to repay the monthly payment on time every month. The method of repaying the loan is usually transfer and deduction. In other words, the lender puts his repayment amount into the loan card, and the bank or other lending institution will deduct the payment within the agreed repayment time. Only the lender applies for a credit card to purchase a car in installments. This type of loan, The bank requires the borrower to apply for a credit card from the bank. When applying for a mortgage or mortgage loan at a bank, the lending bank will have a series of bundled sales behaviors, requiring you to apply for a credit card and open both a lending account and a repayment account with the lending bank. This is a promotion strategy linked to the bank's tasks. You can refuse the bank's request to apply for a card. If the bank insists on coercing the customer to apply for a card, you can complain to the local banking regulatory department. Can I apply for a loan without a credit card?

A credit card is not a necessary condition for a loan. As long as you meet the loan conditions, you can apply for a loan. Of course, this excludes those requiring a credit card. The basic conditions for applying for a loan are as follows:

1. Have legal and valid identity certificate.

2. Be at least 18 years old, and your age plus loan period must not exceed 70 years old.

3. Have the ability to repay the principal and interest of the loan on time.

4. Comply with laws and regulations, be honest and trustworthy, have no illegal behavior, and are not currently involved in any criminal cases or adverse civil cases.

5. The credit is good, the loans and credit cards in the name of the customer and his spouse are not currently overdue, and the credit record meets the admission requirements of each product.

If you meet the application conditions, you can apply to the bank.

For more information about whether you can get a loan without a credit card, go to: View more content Do you need a credit card (debit card) for a loan?

Not all loans require users to have a credit card (debit card) when applying. For example, for mortgage loans, there is no requirement in the application conditions that the applicant must be a credit card (debit card) user. When users apply for credit card (debit card) customer-specific loan services, they need to have a credit card (debit card). Other loans can be applied for without a credit card (debit card).

Of course, users with credit cards (debit cards) will not have no credit information, and banks can better evaluate the user's credit information.