1. Is there any overdue record? How many times?
If the borrower's credit history is overdue recently, banks or lending institutions will basically not pass the borrower's loan application, not to mention the number of overdue times.
2. What is the debt situation? Is it tall?
The credit report will record that people can learn about the loan situation by checking their credit when applying for a credit card institution. If the debt is too high, banks or lending institutions may suspect that the borrower's repayment ability is insufficient and may refuse the borrower's loan.
3. The number of recent inquiries about credit reports:
The credit report will show which banks and lending institutions have inquired about users' credit reports recently and why. If you ask for a credit card or loan many times, the bank or lending institution may think that the borrower's economic life is not stable enough, and thus refuse the borrower's loan application.
Extended data:
The influence of personal credit information on the loan to buy a house
When we submit a loan application to the bank, we will tell us whether we can get a loan. (Personal credit report and personal credit report, personal credit report is the common name of personal credit report. )
If our credit status is good, we may get preferential treatment, but if we have overdue records, we may have to raise prices, saying that personal credit reports are personal economic identity cards.
In the report, the bank will judge the borrower's repayment intention by looking at the "historical repayment record" in the borrower's credit report. Check the loan quantity and loan approval amount. If the credit is good and the bank's quota is full of overdue records, the bank will be more cautious in lending, which is not conducive to obtaining loans or increasing loans.
Second, how to check the housing loan credit?
You can bring your ID card and a copy to the local people's bank branches and credit information sub-centers for enquiries; Or we can log in to official website, China People's Credit Information Center; Some bank outlets can also inquire about the credit report independently. Generally 1 year, each person has two opportunities for free credit inquiry.
First, how does the personal credit report judge whether you can borrow money to buy a house?
General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.
Two, the conditions for mortgage loans are as follows:
1,18-a natural person aged 65;
2. Hold a valid ID card;
3. Good credit information and no bad records;
4. Have a stable job and a stable income;
5. Commercial housing sales contract or letter of intent with the purchased house;
6. Have the ability to pay the down payment of the purchased house;
7. Open a personal settlement account in a bank with effective guarantee;
8. Other conditions stipulated by the bank.
Three, the main factors affecting credit loans are:
1, default on bank loans. If a successful borrower fails to repay the loan in full and on time as stipulated in the contract, it will leave a credit stain and it will be difficult to refinance.
Third, how to check the personal credit of housing loans?
Go to the issuing bank with my ID card, check the personal credit information system and print it for free. This includes all personal card information. In addition, if you have a credit card, you can check whether there is a bad credit record.
Fourth, how to check couples when buying a house?
You can bring your ID card and a copy to the local people's bank branches and credit information sub-centers for enquiries; Or we can log in to official website, China People's Credit Information Center; Some bank outlets can also inquire about the credit report independently. Everyone should pay attention when inquiring about credit information. 1 year, everyone has two opportunities to check the credit information for free, and 25 yuan's service fee will be charged for more than two times.