What are the requirements for buying a house?

the basic credit requirement for the applicant to apply for a mortgage in a bank is that the personal credit is good and there is no bad record. If the loan or credit card is overdue recently, although the application for mortgage may not be rejected, the pass rate and loan interest rate will have an impact. If an applicant's loan is overdue for three consecutive times or six times in total, he can't apply for a mortgage. If the applicant's loan or credit card is overdue for more than 9 days, he can't apply for a mortgage. If the credit information shows that there are overdue loans or credit cards, he can't apply for a mortgage. It is best to consult different banks when handling mortgage, know the requirements of different banks for credit information, and then choose a suitable one. Borrowers can go to official website, the Credit Information Center of the People's Bank of China, branches of the People's Bank of China or commercial banks when inquiring about credit information. They will not charge any fees when inquiring about credit information, but they need to fill in an application form. When inquiring about credit information in official website, the People's Bank of China, they need to register first and then inquire. Rn What are the requirements for more information about buying a house? Go to: See more

How to qualify a house loan credit report

Generally, a house loan credit report must meet the following conditions before it is qualified:

Within one or two years, it cannot be overdue for more than three months in a row, nor can it be overdue for more than six times in total;

2. There cannot be too many query records (no more than 6 times) in the last six months;

3. There are no records of freezing, bad debts, payment suspension and asset disposal in the credit investigation;

4. There can be no record showing the executed person in the current credit investigation;

5. Credit investigation can't show that there are many loans and more credit overdrafts;

6. There can be no outstanding online loan records for credit investigation.

There are mainly the following types of loans to buy a house:

1. Housing provident fund loans: For residents who have already paid housing provident fund, low-interest loans from housing provident fund should be the first choice when buying a house with loans.

Housing provident fund loans are subsidized by policies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. That is to say, there is a spread between the mortgage interest rate of housing provident fund and the deposit interest rate of banks. At the same time, housing provident fund loans will be charged by half when handling mortgage and insurance related procedures.

2. Commercial loans for individual housing: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans.

as long as the balance of your deposit in the loan bank accounts for not less than 3% of the funds needed to purchase a house, and it is used as the down payment of the house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the unit or individual with sufficient compensatory ability is used as the guarantor to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3. Personal housing portfolio loan: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should be applied to the bank for commercial housing loans.

these two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of a bank. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more selected by lenders.

According to the general mortgage repayment method, there are two kinds of calculation formulas:

1. Calculation formula of equal principal and interest:

Calculation principle: the bank collects the remaining principal interest first and then the principal; The proportion of interest in monthly contributions will decrease with the decrease of residual principal, and the proportion of principal in monthly contributions will increase with the increase, but the total monthly contributions will remain unchanged.

It should be noted that:

1. The maximum amount of provident fund loans in various cities should be considered in light of local conditions;

2. For residents who have purchased a house with a loan but the per capita area is lower than the local average, and then apply for the second ordinary self-occupied house, the preferential policy of purchasing ordinary self-occupied house with the first loan shall be implemented mutatis mutandis.

ii. average capital calculation formula:

monthly repayment amount = monthly principal and interest

monthly principal = principal/repayment months

monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate

calculation principle: the principal amount returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

what are the requirements for credit reporting when buying a house with a loan? How to deal with buying a house with a bad credit

Nowadays, many people are under great pressure to buy a house in full, so they can only rely on loans to buy a house, live first and then repay the loan. However, it is not easy to buy a house with a loan, and the requirements for borrowers will be stricter, especially if the credit is not passed, it is easy to be rejected. Then, what are the requirements for credit reporting when buying a house with a loan? How to deal with a bad credit loan to buy a house? Let's get to know each other.

what are the requirements for credit reporting when buying a house with a loan?

the key to buying a house with a loan depends on the lender's credit reporting and repayment ability, among which the most basic requirement for credit reporting is good credit and no bad records. The general bank will judge the lender's credit information from three aspects on the credit report, one is the credit record, the other is the public record and the other is the inquiry record.

Among them, the credit record cannot have overdue arrears before the loan, and it cannot be overdue for three consecutive times or six times in two years, otherwise it is a non-compliant credit investigation; Public records cannot have tax evasion records, enforced records, etc. The query record depends on the short-term times of three types of hard query records: loan approval, guarantee qualification examination and credit card approval.

how to deal with the loan to buy a house if the credit is not good?

It depends on the degree of buying a house with a bad credit, which can be divided into two situations:

1. If a bad credit refers to a black account with a bad credit, it will be useless to deal with it in the short term. Unless the overdue due to reasons other than my own can be revised by submitting an objection application, it will take two years to pay off the overdue debts, or even five years to completely eliminate the bad records.

2. If the credit investigation is not good, but it is not a black account, it is suggested to apply for a mortgage six months after the overdue debts are paid off. There should be no outstanding credit loans and large credit installments before the loan investigation. If it is best to * * * with the loan, let the party with good credit investigation and strong repayment ability be the primary lender and the secondary lender, so as to obtain a higher quota and improve the loan pass rate to a certain extent.

The above is the introduction of "What are the requirements for credit reporting when buying a house with a loan?" I hope it will be helpful to everyone.

What is the standard of credit reporting for mortgage loans?

In daily necessities, a house is an important asset. After all, many people spend their lives just to buy a house. Most people will choose the loan to praise the world when buying a house, so what level of credit is needed to apply for a mortgage? Different banks have different regulations, and many people have summarized the following strategies, hoping to help everyone.

1. China Construction Bank

1. Repaying the loan principal in installments or paying the interest for three consecutive installments (inclusive) or accumulating more than six installments;

2. The loan principal or interest is in arrears for more than 9 days due for one repayment;

3. The customer's status in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.) is overdue, or there has been a bad record of overdue for more than 9 days within 12 months.

in case of the above serious breach of credit, CCB will directly reject the mortgage application, and must adopt other methods or try another bank.

ii. ICBC

The current overdue period of personal consumption loans within 24 months is ≥6 months; The current overdue period of individual housing loan within 24 months is ≥12.

ICBC also has high requirements for credit reporting, so please don't overdue for too long, otherwise it will be difficult to repair.

iii. The Agricultural Bank of China

requires the borrower to have a "good loan credit record and no overdue loan principal and interest" before granting loans to it.

iv. In the past three months, the credit record of the credit card of Bank of China

has been overdrawn for one month after the interest-free period, for two months after the interest-free period, and for a quasi-credit card for three months after the interest-free period. In any of the above cases, it will be directly rejected.

To what extent can I get credit information before I can buy a house

Requirements for credit information when buying a house:

1. Personal credit information is good, and there should be no excessive overdue records, and it should not be overdue for three consecutive months or six months in total within two years.

2. A large number of loan records, application records and inquiry records in the upstream of the credit report are not conducive to the approval of mortgage.

3. If the credit card is in installments or there are outstanding loans, the mortgage may also be rejected.

Matters needing attention in building credit investigation:

1. The time of credit investigation is not equal to the reporting time

The time of credit investigation is only the time when the system receives the inquiry application from the inquiry operator; "Reporting time" refers to the time when your credit report is generated after the system receives the inquiry application. The information inquired includes information on asset disposal before the report, information on guarantor's compensation, credit card, housing loan and other loans, and summarizes the number of your accounts, overdue accounts and the number of guarantees for others respectively.

2. The number of accounts is not equal to the number of credit cards

The number of accounts found by credit inquiry refers not only to the number of credit cards, but also to credit card accounts, several housing loans and several other loans. In general, a dual-currency credit card (including RMB account and USD account) is calculated by a commercial bank according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.

3. Overdue amount

Overdue amount will affect your credit information. The "overdue amount" of a credit card refers to the amount that you have not repaid on time or in full by the end of the repayment date, as well as the interest (including penalty interest) and expenses (including over-limit fees and late fees) arising therefrom.

4. Overdraft and used line

The "overdraft balance" and "used line" in the credit inquiry reflect the amount of money you owe to the bank (including principal and interest), but different business types adopt two expressions. The quasi-credit card is displayed as "overdraft balance" and the credit card is displayed as "used line".