If it is a banking institution, it is impossible, because the real estate mortgage is only the guarantee of your loan, and the bank mainly examines your credit history, repayment source, loan purpose and so on.
2. Can I get a loan with an overdue credit record?
Having an overdue credit record does not necessarily mean that you can't apply for a loan, but also depends on the degree of overdue. Under normal circumstances, the limit required by the overdue loan bank is that it cannot exceed twice in the past three months, three times in the past six months and four times in a year. If it is overdue for six or three times in a row within two years, it will be regarded as a bad credit record by the bank, and it is usually difficult to gain the trust of the bank, and it will be rejected in nine cases out of ten when refinancing. What are the consequences of overdue? 1. There is a stain on the credit report, so you can't apply for bank mortgage and car loan in the future. Even regular financial companies will shut you out, that is to say, if your credit report is broken, banks or loan companies will basically ignore you if you want to borrow money in the future. 2. Work may be affected. Now civil servants, enterprises and institutions and other institutions that work well will check personal credit information. If there is something wrong with your credit information, it will undoubtedly be affected. (Ordinary work, nothing, no one will check you. ) 3. You will be collected crazily. If you don't pay this debt, the bank will entrust a collection company to collect it. In addition to bombing you with high-frequency phones, the collection company may also send staff to your home, and so on, which will have a very bad impact on your life and work, as well as on your family and friends. It is possible that if the amount is too large, it may be taken away by the bank. People often say nothing on the internet. Here I tell you responsibly that it may be true that you are all right. I believe that more than 99% of credit card arrears will not happen (I will explain why not later), but it doesn't mean that the bank is not qualified to give it to you. This possibility exists. 5. It may be that Lao Lai is restricted from doing high-speed rail. If you still can't repay after being deducted by the bank, you may be included in the "list of people who have lost their trust" and become an old lai, unable to take the high-speed train, unable to stay in hotels, and restricted from leaving the country. To sum up, to sum up briefly, there are three main consequences of overdue credit cards: 1, credit stain, 2, crazy collection, and 3, possible being. So friends must cherish their credit. The future is a credit society, and people with bad credit will really be unable to move.
3. Can I get a loan if my credit card is in arrears?
It depends on the loan amount, loan purpose and repayment plan. The bank will check your personal flow, personal assets and so on. Some even test your character. The emphasis of each bank is different, and some basic information between banks is interoperable. The key is to have a clear plan for spending money and repayment. After all, the loan has to pay interest, so it is very important to get better income with this loan. Loans are different from credit loans. If the property is pledged, other requirements will be much lower. Generally speaking, as long as the bank's credit card is not overdue, if the credit card debt is relatively large, the bank will consider that the lender's repayment ability may not be too much, and there is no problem if it is a mortgage loan. The required information is as follows:
1. Credit loan: ID card, work certificate, company address, company phone number, salary flow, residence certificate, water and electricity invoice, withdrawal certificate, driving license, provident fund card and social security card are helpful to improve the comprehensive score. 2. Mortgage loan: ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate, land certificate (providing information on both husband and wife when getting married);
Bank loans mainly look at the following two aspects: 1. Banks consider repayment ability. Banks mainly look at your economic strength and repayment ability. As long as your credit card is used normally and there is no overdue and bad credit record, it will not affect your loan application. Banks will comprehensively consider whether to lend and how much to lend according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.
2. My credit history If the credit card is in arrears and has a bad credit record due to overdue repayment of the credit card, don't rush to cancel the card. 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 large credit card bills that cannot be paid off at one time, installment repayment is relatively cost-effective, which can avoid overdue credit cards. People's Network -200 yuan's arrears break the dream of citizens' mortgage. The bank reminds the credit card to repay in time.
4. Can I continue to borrow money if my credit card has a bad credit record?
It can't be offset. It has nothing to do with how good your record in other banks is. If you make a mortgage now, it will definitely have an impact. If it is two years later, the record will be lost.