The ways to check credit information for house purchase loans are as follows:

1. Online inquiry: Log in to the official website of the Credit Information Center of the People's Bank of China - click to start immediately - new user registration - select a bank card/ Authentication via question/digital certificate - select the credit report (summary, simple, complete) after passing - wait for the identity verification code after submission - enter the identity verification code to view the credit report. If you choose to check the credit report online, the borrower does not need to bring any information. He only needs to fill in his personal information and receive an identity verification code.

2. Self-service query machine query: The self-service query machine for personal credit report uses face recognition technology and ID card. After successful comparison, enter your mobile phone number and you can print a simple or detailed version of your personal report.

3. Offline inquiry: Home buyers can choose to inquire at local branches and credit reporting centers of the People’s Bank of China. When you go to inquire, you must bring the original and copy of your valid ID. The copy must be left with the inquiry agency for reference. Valid personal identification documents include: ID card, military officer ID card, soldier ID card, passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, residence permit for foreigners, etc.

What behaviors affect personal credit reporting

1. Overdue credit cards

Nowadays it is very convenient for everyone to apply for a credit card, so people who have credit cards now are very Many, but everyone must repay on time after using a credit card, otherwise it will cause overdue situations. Once the credit card is overdue, it will affect the personal credit report, so everyone should pay attention when using credit cards. Generally speaking, credit cards have continuous Three late payments or six cumulative overdue payments within two years, or failure to repay overdrafts will affect your personal credit score.

2. Too many credit inquiries

If you need to go to the bank to apply for a loan to buy a house, then everyone will definitely check their credit information before applying for a loan, and some People make inquiries more than once, but checking credit record records too many times will also affect personal credit records. Because the number of inquiries, which banks make the inquiries, and the purpose of the inquiries, etc., all objectively reflect the customer's credit level. If there is only one loan under your name, but your credit is inquired by multiple banks, then the bank has reason to doubt your ability to repay the loan. Not good and considered a risky customer.

3. Excessive debt

Nowadays, there are many channels for people to apply for loans, so some people will apply for loans outside the bank, but if you want to apply for Mortgage loans are definitely only available through banks. When approving a home buyer's loan, a general bank will also examine the home buyer's repayment ability and debt situation, so banks can also check your loan records elsewhere. If the bank finds that the debt ratio is too high If it is high and reaches more than 70% of personal income, banks will question its repayment ability and it will be difficult to apply for a loan.