1. The amount of bank loans and whether they pass or not are related to your assets, professional information, banking business types and other comprehensive information. The bank's judgment on personal loan qualification is based on personal information stored in the bank and available external information (such as credit information of China People's Bank). Generally, the more business you have in the bank, such as deposit, wealth management and transaction, the larger the amount, the better the application. On the contrary, if you have no business in the bank, the bank will be unable to judge the credit and asset status when handling the loan for you, and the amount is low, making it more difficult to apply. If asset mortgage is adopted, it is necessary to evaluate the value of the property to determine the amount of loan. For newly bought houses, that is, if you want to borrow money in the future, you should deal with banks more and use their products more.
2. Personal credit is very important information. At present, the most important place for banks to obtain personal information from outside the bank is the credit report of the People's Bank of China, which records the debts and repayments of individuals in various banks, so it is very important to maintain their own credit. For those who have credit cards, small loans and other debts, they should repay on time, not overdue, so as not to affect their credit.
3. Applying for a credit card can let the bank know your personal information in advance, but it is of little significance to apply for a credit card, and if the amount is low, it may affect the approval of your loan amount in the future. If the credit card forgets to repay because of the small amount owed, it will be overdue, which will affect its reputation and be uneconomical. It's no use. Just do not apply for a credit card for the time being.
The threshold of mortgage loan is not high, anything can be done.
But if you don't have a credit card at all and have no loan record (commonly known as a white household), it is relatively difficult to get a credit loan.
After reading so many answers, I can only hehe.
There are many kinds of bank loans, mortgage loan is one of them, and for individuals, the other is consumer loan. Your credit history will be retrieved for all loan approvals. Comrades who have never had a credit card have poor credit records and no reference value, commonly known as white households.
Loans not only require the loan applicant to provide mortgage or guarantee, but also require the applicant to have the ability to perform the contract and a good credit record.
Therefore, many banks will be particularly cautious about white households applying for loans. In the future, a large number of social credit records will be included in the credit information system, which is not necessarily the way to check credit cards.
For credit card holders, it depends on whether you pay back on time every time. If it is overdue for more than 2 times, the bank will come to stop it. In addition, the credit card limit is also very important. Some people have no habits even if they apply for a credit card. Such customers will not have a high quota. If it involves commercial loans, the bank will check your capital flow, and the amount is very important at this time.
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First, buying a house is a mortgage loan. Your house is mortgaged to the bank. Why didn't the bank give you a loan?
Therefore, even if a pure white household buys a house, the loan will be approved very well.
On the contrary, customers who have credit cards and have many credit cards and high debts need to pay off their credit cards before they can apply for a mortgage. Many areas do not look at credit card liabilities. After all, a mortgage is a mortgage and a house. If the mortgage is not paid, the bank can sue you and auction your house, so the landlord won't have to worry so much about having a credit card.
Good thing you don't have a credit card.
But one thing needs to remind you, buying a house loan and mortgage mainly depends on your repayment ability, so a stable running water is very important. If the running water is small, the bank will worry that your repayment ability is not enough and will not give you a loan. That's what you should worry about. As for the rest, don't worry, the loan officer will solve it for you. After all, everyone is happy after the transaction.
Finally, I wish the landlord an early mortgage!
Hello, the following answers are provided by Tizhacha.
Whether the pass rate is high or not depends not only on whether you have a credit card. It also depends on what kind of loan you are handling.
If you apply for a "credit loan", then the bank can't know your credit status. In this case, I don't think you should apply for a credit loan for the time being. Instead, apply for a credit card first or prove your repayment strength to the bank by other means.
If you want to apply for a "mortgage loan" (such as a mortgage), it will be much easier. The success rate of the next mortgage payment is very high. Even if you don't apply for a credit card, as long as there is no big stain on the credit, it will basically not affect the next payment.
Of course, there is an easier way. You can check a credit report directly on the query, which will automatically evaluate the success rate of loan application for you. If you are not sure about your credit, you can directly check the report and get the success rate of loan application.
If the success rate of applying for a loan is above 80%, you can apply with confidence!
I hope my answer is helpful to you.
I haven't had a credit card, so it may be more troublesome to get a loan. Because there is no card and credit record, the credit record is blank, and the bank has limited contact with your information, so you can't evaluate your qualifications well. If you apply for a loan, you will be asked to provide all kinds of information to prove it. If you have a credit card, the bank has a preliminary understanding of your credit information. If you use your card well and repay it in time, it will be a plus item when you borrow money.
Now that you have bought a house, I suggest you don't have to worry about getting a credit card, because the bank's credit line is a debt, which is not good for your loan in the short term.
Generally speaking, if there is no one who has never done any financial credit behavior, that is, he has never explained it to the bank at all, it is very difficult for the bank to make a judgment, because the bank generally makes a loan risk judgment based on the credit data of personal credit information, so generally speaking, as a credit white household, the loan will indeed be a bit difficult to pass!
It is suggested that a credit card can be set up to generate credit information on personal credit information. Credit cards are also easy to handle now. If you spend a few strokes, there will be no annual fee and no interest will be generated on time. Of course, this is just personal advice. You'd better ask the bank. Generally speaking, housing loans will not be greatly affected.
I'm over 50, and I've been paying off loans almost all my life. I don't need to apply for a credit card at all. A bank will take the initiative to ask me to do it Why do I need so many credit cards? There are two or three temporary turnover.
Except for mortgages, white families may not be able to pass the trial of loans and credit cards.
Mortgage has no effect. Don't listen to the white tiger. Consumer loans can be made by credit card.
It doesn't have much impact.