If the credit card does not return the low amount, the bank will be blacklisted and the credit will be tainted.
Second, if the credit is not tainted, it will affect the loan to buy a house.
2. Can I borrow money to buy a house without a credit card?
It doesn't matter if you have a credit card under your name when you buy a house with a loan, as long as the credit card is not overdue. Although the bank will look at the debt ratio in the individual's name when applying for a mortgage, the credit card is not overdue, so don't worry. If the credit card has no overdue debt, no over-limit and cash-out behavior (there is no similar bad credit record in the near future), then the unpaid credit card will generally not affect the mortgage. If the credit card is overdue, or the debt under its name is high, it may affect the approval or amount of the loan. After a bank applies for a mortgage, it should make a comprehensive evaluation based on factors such as business type, credit status and guarantee method, and whether the approval can be passed or not can only be determined after the approval of the handling outlets. It is recommended to provide relevant application materials and contact the loan handling bank or local post-loan service center for verification. Mortgage loan, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Participants in mortgage, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and owners of real estate (including developers/owners of second-hand houses), also need to participate in the evaluation company and mortgage guarantee company when applying for loans. Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives. If people with special policies are not in the house, the monthly payment will continue. If the person is not in the house, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obligated to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid. Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment. If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes. In this case, the house becomes an inheritance after a person dies, and the property is still there. According to the relevant provisions of the Inheritance Law, real estate is included in personal inheritance. First, the heir pays off the living debts (including mortgage and other debts, of course) with the person's estate, but paying off the debts is limited to the actual value of the person's estate. There is no legal basis for "paying debts for father". Of course, the heirs voluntarily pay off debts that exceed the actual value of the estate.
Third, can't I get a loan to buy a house without paying back my credit card?
Hello, I'd like to give the following answers to the question of mortgage as far as I know, hoping to help you. As we all know, credit cards are installment owners who use them first and then return them. Credit cards will be used normally during use, and the amount will be adjusted according to the actual situation after a period of use.
Mortgage is only for people to live in or for children to go to school (not to mention the money spent on buying real estate or real estate speculation here), so whether the credit card will not affect the mortgage is actually not so tight, as long as your credit card is not overdue and your credit is good, the basic mortgage is no problem. Of course, different banks have different policies.
At the beginning, all my four credit cards were overdrawn, as well as flowers and small loans. It is estimated that it is about 654.38 million yuan, which is overdue, but it has not been overdue for more than 90 days in three years. Later, the mortgage procedures passed normally. And it's not a couple loan. So don't worry about this problem, as long as you have good credit, one bank can't change to another. It's best to start with a small bank.