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Can I get a loan to buy a house if my credit card is not paid off, Zhihu?

Can I borrow money to buy a house if my credit card is not paid off

The credit report is a record of personal credit information issued by the People's Bank of China, and it is the basis for commercial banks to review your loan qualification and credit record, depending on the personal credit record. It is suggested that you contact the China Bank outlets that want to handle the loan business.

the above contents are for your reference. please refer to the actual business regulations.

can I borrow money to buy a house if my credit card is not paid off?

yes. As long as it is not overdue, you can apply for a mortgage. If it is overdue, it will be very difficult to apply for a mortgage.

Although credit records are becoming more and more important, they are not widely used in life in China at present, and they will not be used everywhere like foreign countries. At present, the biggest use is as a reference for banks when lending. We ordinary people will borrow money from banks when buying a house, and we usually have no chance to use credit records.

However, don't think that a bad credit record is far away from you. It's not just that you don't pay back your debts that will lead to a bad credit record. Many unintentional behaviors will lead to a bad credit record. Here I will explain in detail the precautions and solutions for maintaining credit records.

first, there are three types of credit records, and banks will directly refuse loans, so buyers should pay attention.

Bad credit card records and credit records are frequently inquired, and more loans under one's name are the most common and easy mistakes made by buyers. In these three cases, banks generally refuse loans directly, so buyers must pay attention.

1. Bad credit records of credit cards lead to poor credit records.

the bad record of credit card is the most common mistake made by buyers, and it is also the bad record that most easily affects credit.

(1) Don't apply for credit cards frequently, and keep the number within five.

First of all, we should pay attention to not having too many credit cards under our names. Many property buyers have applied for a large number of credit cards because they are eager to handle gifts given by credit cards. You may think that it will not affect your credit history if you don't open the cards. But this is wrong. No matter whether you open the card or not, the credit record will be recorded. Too many cards in your name will affect the bank's judgment on your financial situation, and the bank will suspect that you use a large number of credit cards, thus rejecting your home loan.

(2) remember to cancel the credit card, and there will be an annual fee for the credit card that does not open the card.

You should remember to cancel the credit cards you don't use frequently, so as to avoid overdue due to too many credit cards. You should pay special attention to cancel the credit cards that don't open cards, because these credit cards that don't open cards may also charge an annual fee, and because you don't open cards, the bank won't inform you at all, and it won't be found overdue until you print the credit record.

(3) The credit card cannot be overdue for more than three times in one year, and the bad records shall be kept for 5 years, and cleared after 5 years.

Don't worry if it happens accidentally, because the bank has considered this accidental situation. Generally speaking, the credit card will be overdue for no more than three times in a year, and the bank will predict that you forgot it unintentionally and won't think that you have a problem with your funds. But do remember that the number of overdue times must not exceed three times a year. After overdue, you should cherish your credit record more and pay back carefully. After 5 years, your overdue record will be cleared.

2. Frequent inquiries about credit records affect your credit records.

(1) Credit reports should not be inquired frequently, not more than three times in half a year

This is also the most common mistake made by property buyers. If you inquire about credit reports too many times (more than three times in half a year), there is a great chance that the bank will refuse to lend. Because only loans will use credit reports now, your credit reports are frequently queried, which shows that you are borrowing money everywhere and there are huge risks. In addition, the institutions inquired will also be recorded in the credit report. If the bank finds a large number of loan companies and institutions, it will default that your financial situation is poor, thus rejecting your loan.

(2) If you apply for a credit card and open online payment such as Alipay, Suning and JD.COM IOUs, your credit records will be inquired.

If this situation is avoided? You should be clear that credit history inquiry must have your authorization. Without your authorization, other institutions have no right to inquire at all. At present, there are only two types of authorized credit records that buyers often encounter. The first type is when applying for various credit cards, and the second type is when applying for loans from various institutions. The first category is very easy to avoid. It is unlikely that property buyers will apply for credit cards frequently. In the second category, it is easy for everyone to get caught. You may not know that opening online payment such as Alipay Debit, Suning Paypal and JD.COM Debit is equivalent to applying for loans from these institutions. For example, when you first open Alipay Debit, it is empty. You must click Apply to show how much money you can borrow from Debit. At the same time, you are authorized to check the credit report. The first step of all lending products is like this. The lending products can only tell you how much you can borrow if you check your credit report.

If you frequently apply for such online payment products, even if you don't get a loan in the end, because various loan companies frequently check your credit report, the bank will think that your financial situation is deteriorating and refuse to lend you a loan.

3. There cannot be a large number of outstanding loans in the name of the lender.

(1) The credit records include the consumption records of online products such as JD.COM Baitiao, Ant Borrowing, Suning Renxing Payment, Micro-loan, Baidu Finance, etc.

In May p>219, China launched a new version of the credit record, which recorded almost all the payment products of online shopping websites. Previously, these payment products were not presented on the credit report.

Nowadays, online shopping websites like to induce buyers to pay by installments, which was no problem before, but now it will become your debt because it is all recorded in the credit report. The bank will deduct these liabilities when calculating your repayment ability. For example, if you pay 5 yuan/month in monthly installments and your salary is 5, yuan/month, the bank will assume that your actual income is 4,5 yuan/month, and then estimate the amount of loan you can get based on this.

Therefore, property buyers should pay off all the online installment loans as much as possible before applying for loans to improve their financial strength.

(2) Decoration loans, car loans, mortgage sub-lenders all have credit records

Decoration loans, car loans, etc. used to be presented on credit records in the form of credit card repayment, but the new version of credit information now changes this recording method, and each loan is recorded in detail. If the mortgage is a joint loan between husband and wife, the loan record will only be recorded in the credit record of the main lender, but there is no credit record of the sub-lender. But now, both the main lender and the sub-lender will record the loan situation.

in order to avoid problems with both husband and wife's credit records, buyers can use one of them to borrow money when applying for decoration loan, car loan and mortgage loan, which can ensure the other person's credit record is good.

(3) company loans, loans to help guarantee

There are records of other private loans and loans to help others in the name of the credit record of the purchaser. If you have other private loans, such as credit-free loans, credit card loans, etc., you can't basically buy a house loan, and it is only possible to pay off these loans; Before applying for a loan, buyers can print a credit report to find out if there is such a situation.

Does the failure to repay the credit card affect the house loan?

The failure to repay the credit card in installments does not affect the customer's mortgage application. The customer prepares the relevant information, fills in the loan application form through the developer, and then submits the completed form together with the information to the bank for review. As long as customers pay attention to maintaining good personal credit, there is no overdue behavior when repaying credit cards.

generally, as long as the customer's personal credit is good; Have a stable income and the ability to repay on time; If the house has mortgage value, you can successfully apply for a mortgage. If the customer is overdue when repaying the credit card, it may not be possible to get a mortgage in the short term.

because credit cards are overdue, they will be reported to the central bank for credit investigation, leaving a bad credit record in the customer's personal credit investigation report; When the bank mortgage is approved, it will also inquire about the customer's credit information. Once it is found that there are overdue bad records in the customer's credit information report, it is very likely that the loan will be refused because of the customer's credit problems.

The overdue records in the credit investigation can't be eliminated in a short time, and it is often necessary to keep them for at least five years after the customer pays off the debts. Therefore, customers must pay attention to maintaining good personal credit.

Personal housing loan is a kind of consumer loan, which refers to the loan granted by the lender to the borrower for the purchase of self-occupied ordinary housing. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall bear joint and several liability for repayment of the principal and interest.

the object of the loan is a natural person with full capacity for civil conduct. The loan conditions are that urban residents are used to purchase ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 3% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.

individual housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loan refers to the loan granted by the lender to the borrower for purchasing ordinary housing for personal use. [2] Personal housing loan business is one of the main asset businesses of commercial banks. It refers to the loan opened by a commercial bank to the borrower for the borrower to purchase the first-time housing (that is, the housing sold to individuals after the development and construction of real estate developers or other qualified development entities).

Can you get a mortgage if your credit card is not paid off?

You can also get a loan to buy a house if your credit card is not paid off.

as long as the cardholder does not have any problems affecting personal credit information during the repayment process, he can apply for a loan to buy a house. Because in most cases, each bank has no special restrictions on this aspect, and will only use it as one of the conditions for cardholders to approve loans. For those whose credit cards have not been paid off, the bank will count them in personal liabilities, which will affect the credit card holder's loan amount.

Credit cards are widely used in life, which can reflect a person's credit status, with both advantages and disadvantages. Once a credit card has a bad record, it is not easy to apply for a loan. So, can I borrow money to buy a house if I have arrears on my credit card? Can I apply for a mortgage if my credit card is in arrears?

For credit card loans, the bank mainly examines your financial strength and repayment ability. As long as your credit card is in normal use, there is no overdue and bad credit record, and a little debt will not affect your loan application. Banks will comprehensively consider whether to lend or not and the amount of lending according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.

if the credit card is in arrears and has a bad credit record due to overdue repayment of the credit card, don't cancel the card in a hurry. You may not know that the cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For credit card bills with a large amount that cannot be paid off at one time, it is relatively cost-effective to repay them in installments to avoid overdue credit cards.

It is understood that when a borrower applies for a loan, the bank will strictly check the borrower's credit history. If the borrower's credit card has a large amount of arrears, then the bank will think that the borrower lacks integrity, so it is not easy to get a loan. In addition, the bank will also check the overdue time of its borrower to decide. If the borrower fails to repay within the prescribed time, then it will be able to pay off the arrears before applying to the bank.

However, if borrowers cannot apply for loans from banks because of their credit records, they can also apply for loans through non-bank lending institutions, such as private companies, pawn shops, guarantee companies, etc., because the requirements of such lending institutions are relaxed, and their chances of obtaining loans can be greatly improved.

Therefore, in our daily life, it is very necessary to maintain our own credit record, and it is best to avoid the phenomenon of default, because a good credit record is the stepping stone to apply for a loan, no matter whether we apply for a loan from a bank or a loan company. If the credit record is poor, the application for a loan will probably be rejected.

Can I borrow money to buy a house with credit card debt?

Credit card debt does not affect the approval of mortgage, but the premise is that credit card debt must be repaid normally, and personal credit information must meet the bank conditions.

The details also depend on the bank's requirements for credit investigation. Different banks may have different requirements for credit investigation. Under normal circumstances, banks follow the principle of "three times in a row and six times in a row", but some banks have strict requirements, such as no more than four overdue cases in a year, or no more than two overdue cases in the last six months. If there are any cases, they are basically likely to be rejected.

Secondly, besides credit investigation, when reviewing and approving housing loans, banks will not simply consider how many credit card overdrafts you have, but will comprehensively evaluate them from credit card overdrafts, credit records, personal income and other aspects, and then get a score. Only when the comprehensive score meets the requirements of banks can the mortgage be approved.

generally speaking, you should pay more attention when using credit cards, try not to overdue them, and try not to blow up your credit cards, so as to spend as little as possible, which is also conducive to raising cards. Also, don't check your credit frequently. If you always check frequently, you may be rejected by the bank.

Extended information:

What are the serious consequences of overdue credit card repayment

1. Overdue interest and liquidated damages

As long as the credit card is overdue, it will definitely generate interest and liquidated damages.

2. Bad credit record

After it is overdue, there will be bad credit records in the personal credit report. This is very important, and it is related to the cardholder's application for loans and credit cards.

3. Bank collection may face criminal problems

After overdue, if the repayment is not made for a long time and the overdue amount is large, it may face bank collection. And the bank's collection is not returned, it may face criminal problems.