It will have an impact. A colleague used to run a real-name registration system mobile phone card at school, but he didn't use it again after he owed money. But later, he failed to run a credit card. Because we worked in a credit card center, we could find out the reason ourselves, which is the reason. Will be recorded in the personal credit record system. However, it does not rule out that the audit requirements in each place are different, or it may just be that our credit card approval standards are stricter.
Second, does personal credit loan have an impact on mortgage?
Usually credit loans will show personal credit records and bank loan system. At this time, if you want to borrow money to buy a house and apply for a mortgage, the lending institution will examine your personal repayment ability. If your repayment ability is good and your debt situation is good at this time, the loan will have little impact. And if the repayment ability is poor at this time, there will generally be some priority.
In principle, all lending institutions require borrowers and families to earn more than twice the total amount of loans. If the borrower's credit is good, his monthly income is high, and the monthly repayment amount is twice, the loan is still relatively easy.
It should be noted that if you want to apply for a credit loan again, you must repay it on schedule before, so as not to cause overdue. Once overdue, refinancing will be very difficult.
Third, after the personal financial institution loans, will it affect the mortgage?
When a bank has a credit loan, personal credit records and the bank's loan system will be displayed. At this time, if you want to borrow money to buy a house and apply for a mortgage, the lending institution will examine your personal repayment ability. If your repayment ability is good and your debt situation is good at this time, the loan will have little impact. And poor repayment ability will have an impact.
Mortgage, also known as house mortgage. Mortgage refers to the documents that the buyer must submit according to legal documents, such as filling out the mortgage loan application form to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promises to issue loans to the buyer and handle the notarization of real estate mortgage registration.
Fourth, does personal credit loan affect mortgage?
1, credit loans and mortgages have little impact, because banks pay more attention to the lender's credit record and personal repayment ability when reviewing loans.
2. In terms of credit record, if the lender's credit record is poor, the bank will be more cautious when reviewing loans, and the number of overdue loans will be related to the loan ratio and loan interest rate. Repeated overdue loans will lead to loan rejection. If there is unintentional overdue, you can reduce the impact of bad credit information by issuing relevant certificates.
3. In terms of personal repayment ability, the lender needs to provide personal bank flow to the loan bank, which can meet the monthly repayment amount of all loans and housing loans by more than 2 times before it can apply for housing mortgage loans normally. At present, if the borrower's repayment ability is good and the debt situation is good, the impact on the bank's review of mortgage applications will not be great.