1. If the mortgage applicant's credit status is good within two years, and there has been no overdue repayment of credit cards or other repayments in loans overdue, most banks will still issue loans.

2, 2 years ago, the bad credit record will also have an impact on the mortgage, if there are not many overdue times, then the bank will generally require the applicant to increase the loan down payment or raise the loan interest rate; If there were many overdue loans two years ago, it is likely that the mortgage will not be approved.

In addition, if the applicant has a bad credit record in the past two years, it is generally more difficult to apply for a mortgage loan. The credit report will reflect the credit information of the loan applicant within five years, so the bad credit record within five years will appear in your credit report.

Extended data:

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

First, blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

Second, excessive consumption.

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you can repay them.

Third, the interest rate is high.

If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)

Fourth, an annual fee is required.

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Can I get a mortgage if my credit card application fails?

To apply for a credit card, the general applicant should be between 18-65 years old and have full capacity for civil conduct; Have a stable job and income source; Good credit information. When applying, the inquiry record of credit card approval will be left on the applicant's credit information. There are not many hard records of credit inquiry, which has little effect on applying for mortgage.

What is a credit card?

Credit card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.

Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

Generally speaking, bank cards are divided into credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Can I get a mortgage if my credit card application fails? Need to look at the reasons for failure!

Now many young people have several credit cards in their hands. Credit cards have a long interest-free period and are used properly. Cardholders can obtain working capital at low cost for a period of time, thus alleviating economic pressure. Can I get a mortgage if my credit card application fails? This needs to be analyzed in combination with the reasons for the failure of credit card application.

Can I get a mortgage if my credit card application fails?

To apply for a credit card, the general applicant should be between 18-65 years old and have full capacity for civil conduct; Have a stable job and income source; Good credit information. When applying, the inquiry record of credit card approval will be left on the applicant's credit information. There are not many hard records of credit inquiry, which has little effect on applying for mortgage.

Credit card application fails, and the reason for failure may also be the reason for mortgage failure:

1. The applicant's personal credit status is poor.

If the credit card applicant has been overdue for more than six times in the past two years, or has a record of three consecutive overdue times, the bank will reject his application; In the past three months, there have been many hard inquiries about credit information, which may be rejected.

In this state, applying for a mortgage will be rejected by yourself. The mortgage amount is large, and the requirements for the borrower's credit information are relatively strict.

2. The age of the applicant does not match.

/kloc-applicants under the age of 0/8 or over the age of 65 cannot apply for a credit card.

The requirements for mortgage applicants, generally women can't be over 65 years old and men can't be over 70 years old, both need 18 years old. The older you get, the harder it is to apply for a mortgage. Generally, if you are over 55 years old, it will be more difficult to apply successfully. The industries that need candidates to engage in are very stable, and the sources of wages are relatively stable, such as civil servants and teachers.

3. The applicant's repayment ability is insufficient.

If you don't have enough sources of income, you will be rejected if you apply for a credit card and your repayment ability can't meet the requirements of the bank. The same is true for applying for a mortgage, which requires higher repayment ability, and the monthly income must be twice the monthly payment.

To sum up, the reasons for the failure of credit card application need to be analyzed, but the reasons for the failure determine the comprehensive qualification of the borrower.