A bank manager said that when reviewing personal credit records, their bank focused on the credit records of buyers in the past two years. As long as the repayment overdue two years ago is not too serious, it will not affect the loan. For the credit records in the past two years, banks will generally check them strictly. If the repayment is overdue for three consecutive months and accumulated for six months, the loan application will generally be rejected.
However, he also pointed out that banks now have some flexibility in this regard. If the credit card repayment is overdue, the bank will also consider the specific circumstances, such as the repayment caused by the annual fee deduction is not timely or extremely small, which has little impact on the mortgage. However, if the mortgage repayment is overdue, it will generally be checked in strict accordance with the requirements.
In the bank's judgment, under the same conditions, the investigation of repayment willingness is greater than that of repayment ability, and the money in the buyer's deposit account has nothing to do with whether he repays on time.
Extended data:
Generally, the inspection standards of credit records of different banks are different. There will be some differences in different branches of the same bank, and joint-stock banks will be relatively relaxed. Mr Zhang Can consulted with several banks to see if any banks would accept it. If they are all rejected, he can only think of other ways.
In the face of some buyers with credit history problems, some companies will recommend guarantee companies to help buyers achieve loan success, but not only will interest rates rise, but buyers will also pay a certain handling fee. Basically, you need to pay a handling fee of 2% of the loan amount
People's Daily Online-Three consecutive overdue loans? Bad credit record becomes an obstacle to buying a house.