When reviewing personal credit records, banks focus on the credit records of buyers in the past two years. As long as the repayment is overdue, 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, 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.
Generally, different banks have different standards for checking credit records. There will be some differences in different branches of the same bank, and joint-stock banks will be relatively relaxed. So I consulted several banks to see if any banks accepted it. If rejected, we 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. Generally speaking, you basically need to pay a handling fee of 2% of the loan amount In other words, if the loan is 2 million yuan, in addition to the floating interest rate, you have to pay a handling fee of 40 thousand yuan.
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However, for some unintentional overdue cases, some banks can give grace. For example, China Merchants Bank can, according to the actual situation, ignore the loan and credit card records that have been settled in the name of customers for more than two years. For small overdue records within 500 yuan, annual overdue credit card fees and short-term overdue records within 7 days, the number of overdue records can be eliminated as appropriate.
In addition, customers should also beware of identity theft by others, and cannot borrow others to handle credit cards or loans. If the credit record is not good, it should be borne by the customer himself.
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