Handling mortgage loans depends on the credit information of credit cards. Banks will score credit information according to the credit information table displayed by the credit information system. If the credit is not good, you can't apply for a mortgage.

First, credit information is generally divided into the following categories.

1. Generally, in the last 24 months, the maximum overdue period is more than 60 days, the accumulated overdue period is more than 6 times (there are also 9 times) or the current account status is abnormal, including overdue, freezing, paying off debts with assets, and compensating by the guarantor. ;

2. Sub-prime, prudently granting credit to customers, with the maximum overdue of 3 1-60 days in the last two years, accumulated for more than 3-6 times, and the account status is normal;

3. Defective category, slight breach of contract, but not enough to affect repayment, credit can be granted, and it is overdue within 30 days in the last 24 months, or within 3 times in total;

4. During the normal period, relatively excellent customers have no overdue or inquiry records in the last 24 months.

Two. Application conditions required by banks applying for mortgage loans:

1,18-a natural person aged 65;

2. Hold a valid ID card;

3, good credit, no bad record (credit within 2 years shall not be three tired six);

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with the purchased house;

6. Have the ability to pay the down payment of the purchased house;

7. Open a personal settlement account in a bank with effective guarantee;

8. Other conditions stipulated by the bank.