first of all, thank you for your invitation. I'm Lord Kaka, focusing on credit cards and banking, and I'm glad to answer your questions. Good credit, worry-free mortgage

From the description of the subject, it can basically be ruled out that the credit card mentioned by the subject still owes tens of thousands of dollars, which is only the credit card bill has not been paid back, or tens of thousands of dollars owed by the credit card bill, not the overdue credit card bill. From this point of view, the subject's credit information should be no problem, so from the credit information point of view, it has basically no impact on the subject's application for mortgage. Reduce the debt, the loan is harmless

Subject description, the credit card owes more than 5, yuan, which is your debt. If the debt is too high, the bank will also consider whether the applicant has the ability to repay the mortgage when approving the mortgage. Therefore, adult Kaka suggested that if you want to successfully pass the bank mortgage approval, you should reduce your debt first, that is, pay off the credit card debt as much as possible before applying for the mortgage. Banks run smoothly, and do it well in advance (digression)

Before we do something, it is really important to plan ahead. To apply for a mortgage, you still need a bank flow. Many applicants have been refused loans by banks because of poor flow. They all regret why they didn't do a good job of bank flow in advance. In fact, bank flow is very easy to do. The so-called bank flow is the coming and going of accounts in the bank. You can repeatedly use WeChat, Alipay and other bank cards to enter the bank card that you will use for running water in the future, and you can also let friends and relatives operate these transfers. When the running water is done, it will be easier to make a loan.

To sum up, in view of the main question, Lord Kaka thinks that it is beneficial and harmless to apply for a mortgage after paying off the credit card debt. Reducing the debt will make the bank feel that you are more able to repay the mortgage, and your mortgage will be easier to pass the examination and approval.

I'm Lord Kaka. Thank you for reading. Please pay attention. If you have different opinions, please leave a comment.

first, credit card arrears are part of liabilities, and there are no other liabilities besides credit cards. Because credit card debt is a very common phenomenon now, don't worry too much, as long as you have nothing overdue, there will be no big problem. There is also whether you use up your quota every month.

second, apart from credit cards, there are other liabilities, such as flowers and loans, etc. In particular, loans are used by many people and recycled. But borrowing is a loan, not a credit card. It doesn't matter how you recycle the credit card. If you borrow it once, you will have one more loan inquiry. Sometimes you may not borrow much, such as hundreds of thousands, but the bank will think that even borrowing this little money is a sign of your inability to repay.

third, whether the credit card has been used for a long time is a recent application, which also has an impact. If they are all recently applied and brushed, it means that you are short of money recently, so where did you get the money to buy a house?

fourth, look at the running water. The running water is very simple, which is about twice the amount of your existing debt plus the monthly repayment of your mortgage. Of course, if you only have a credit card, and the amount is not too high, some banks can not consider the credit card as a liability. As for the determination of credit card limit, basically 2, to 3, yuan is not a liability.

Now the new credit information system has been put into use. If your credit card is overdue, it will have an impact on your mortgage application. Whether the approval can be passed depends on the overdue degree of your credit card and your own economic conditions.

since you can apply for a credit card with a limit of tens of thousands of yuan, it shows that your financial conditions are still ok, so the key depends on the overdue situation of your credit card.

If these tens of thousands of yuan are spent in the current period, and there is no record of overdue credit cards in history, it will not affect the application for mortgage. Just pay back the arrears before the stipulated repayment date.

If these tens of thousands of yuan are overdue, but the overdue time is not too long, then you should hurry to raise funds for repayment, which will have a certain impact on the mortgage, but it has little impact. Because more than 9 days of arrears are long-term arrears, which have a great impact on mortgage loans. Generally, banks will refuse to lend when this serious overdue situation occurs. If the overdue time is short, it is acceptable to explain it to the bank.

Of course, it depends on whether you have a credit card overdue record before. In the previous credit information system, the credit card overdue record was 2 years, which means that you can't have a credit card overdue record within 2 years. If you have overdue records for many times or for a long time in the past two years, it will be very troublesome and the loan will basically fail.

If you have been in loans overdue for more than 9 days, but there are no other overdue records before, this situation is not very certain, and most banks may refuse it. However, you should also look at your financial situation. If you are in Wang Sicong, it is estimated that the bank will lend it to you. If you are still moving bricks on the construction site, it is unlikely.

It should be noted that the overdue record of credit cards has changed from two years to five years, which means that if you are overdue now, you will pay off the arrears today, and the overdue record will disappear five years later, so you must cherish your credit regardless of whether you borrow money or not.

Your topic is not clearly described. When you say that you owe tens of thousands of dollars, is it tens of thousands of dollars overdue or the current credit card overdraft balance is tens of thousands of dollars? If your current credit card is overdue, it is difficult to pass the mortgage approval.

Now, when you apply for a mortgage in a bank, the bank's requirements for credit investigation are very strict. For example, some banks require that if it is overdue for more than three times in the last year, it will basically be impossible to pass, and the bank may relax it to four times. Some banks even require it to be overdue for more than two times in the last year, so it will be impossible to pass the examination and approval. If it has not been returned for more than three months in the last two years, then 1% will be rejected; If your current credit card is overdue, more than 8% will be rejected.

So when you say that you owe tens of thousands of dollars, I don't know if you mean that it is overdue at present or overdue in history. If your history is overdue more times, it will be more troublesome; If you are currently overdue, it is also very troublesome.

However, if your overdue time is not very long, such as within one month, there is still a lot of room for manoeuvre. In this case, the bank can lend you money by raising the interest rate, or ask you to provide the same borrower, and then you can continue to lend money, but only if you pay off all the current arrears. If you are currently overdue and overdue for more than one month, there is basically no way. Your current credit card overdraft balance is tens of thousands of dollars, but it is not overdue. Whether you can pass the mortgage approval depends on your own income.

It's very normal to spend money by credit card now, and banks know about it. As long as everyone's credit card overdraft is not so much, there is not a big gap with everyone's income, and there is no overdue record, this situation will generally not have much impact on the mortgage.

but if your credit card overdraft balance is relatively large and your income is relatively small, the bank may ask you to pay off a large part of your credit card first, and then give it to you for approval.

Last year, for example, a friend of mine encountered a similar situation. When he applied for a mortgage, the bank found through the credit report that his current credit card overdraft balance reached more than 3, yuan, but his monthly running water was only about 2, yuan, so the bank suspected that he had overdrawn his credit card as a down payment, and finally asked him to pay off most of the credit card overdraft balance before purchasing. As a result, this buddy only borrowed more than 2, yuan from relatives and friends, paid off most of the bills, and finally passed the loan approval of the bank.

As for the situation mentioned in your topic, if your current credit card overdraft balance is more than 3, yuan, whether this overdraft balance will affect the application for mortgage depends on your own income. If your monthly payment is relatively small but your income is relatively high, for example, the monthly bank flow reaches 2, yuan, but the monthly payment only needs more than 5, yuan, then most banks will basically not care about the fact that your credit card overdraft balance is more than 3, yuan, and most banks can successfully pass the mortgage approval.

Of course, some banks may have higher requirements. In order to successfully pass the examination and approval, they may ask you to pay off the overdraft balance of this credit card before approving it. You have to communicate with the bank to know the details, because there are some differences in different bank mortgage approval policies.

Finally, I'll give you some suggestions. If a bank can't pass the loan approval, you can ask more banks. At present, many banks have different approval policies for mortgage loans, and different banks have different approval standards. For example, in some banks, if your credit has been overdue for more than one time in the last year, it will not be approved, but in some banks, it can still be approved even if it has been overdue for three times, so you can consult more banks.

two days ago, I seriously asked my friends in charge about this situation. Tell you about the current situation and mortgage application.

1. As long as the credit card is overdue, it will be submitted to the People's Bank of China Credit Information Center soon. Generally speaking, after the three-day grace period (counting from the repayment date of the bill), as long as the repayment is still outstanding, it will be submitted to the People's Bank of China Credit Information Center on the fourth day, resulting in overdue credit card information. Recently, the supervision is very strict, and the bank and the people's bank credit center are connected by data interface, so they are directly transmitted in the form of electronic messages.

2. In the past, the credit card was overdue for a short time, so applying for a mortgage had little impact. Because banks pay attention to other factors besides personal credit information, such as housing property rights, evaluation, salary income, social security accumulation fund, etc., even if there are overdue records on personal credit information records, banks will consider other situations for approval and lending.

3. However, under the current situation of strictly controlling the real estate market and mortgage issuance, there will be stricter approval requirements for different regions and the first and second sets.

a. In areas where house prices are stable or slightly declining, even if personal credit information is flawed, as long as the overdue amount has been settled and the historical overdue amount is relatively small, the time will not exceed one month. The mortgage application is not affected.

B. In hot spots where house prices are rising, except in restricted areas. Personal credit information is flawed, just like the previous requirement, the approval of the first suite may be passed, and the loan for the second suite may not be given.

C. In areas where the purchase of houses is restricted, if there is a flaw in the personal credit information, basically all banks will not pass it. Including the first suite and the second suite.

4. At present, the right of mortgage examination and approval belongs to commercial banks for judgment, but it is subject to the window guidance and policy constraints of supervision. On the issue of whether or not to issue mortgage loans due to personal credit defects, it is mainly due to the guidance and management of supervision, and commercial banks do not have much autonomy.

5. At the same time, if the personal credit information is flawed, even if the commercial bank agrees to issue loans, the interest rate will rise. For example, for the first suite, others may apply for the benchmark interest rate, but those with defective credit information may need to rise by 1~15%.

for bank credit, the quality of personal credit information is a key issue that directly determines whether to approve loans and determine the standard of loan interest rate. In addition, whether the housing market in the purchased area is hot at this stage will directly determine whether the mortgage application is easy to approve. The credit card is in arrears, and the mortgage is not particularly good

1. The credit card is also in arrears, which will make the bank feel that you are short of money. Secondly, it will make the bank misunderstand that you will cash in the credit card and invest it in the property market.

2. It is suggested to pay off the credit card money as soon as possible before applying for a mortgage.

3. You need a good credit record. A good credit investigation will make the audit faster and get twice the result with half the effort;

Most of us now buy houses through loans, and it is very important that bank loans can be approved. If the loans cannot be approved smoothly, it will have a great impact on the purchase of houses. I. requirements for bank loans

if you apply for a mortgage loan from a bank, the bank will ask the customer to provide relevant information to check the repayment ability of the customer, mainly from the following aspects.

1. Identity information of the borrower

The borrower needs to provide personal identity information, such as ID card, marriage certificate, household registration book, etc., mainly to verify whether the borrower entity really exists, clarify the legitimacy of the borrower entity, and avoid fraudulent loans.

2. Borrower's credit information

During the loan review, the bank will inquire about the borrower's credit report, court execution, big data and other information, and judge the borrower's repayment ability, willingness to repay and potential risks through these information. If there is too much debt in the borrower's name, it will affect the borrower's repayment ability; If there are some economic disputes or other cases in court execution, it will also affect the borrower's willingness to repay; Now big data is very developed. It mainly collects some small loan information of users, and can analyze users' private lending. Banks will review borrowers' big data before lending, just to judge whether borrowers have some private lending.

3. proof of the borrower's income

The borrower needs to provide personal proof of income to the bank. Generally, the information provided includes proof of income, bank running water, social security certificate, etc. If the running water is sufficient, it means that the borrower has strong repayment ability; if the running water is less, the borrower's repayment ability may not be strong. We can judge the borrower's repayment ability through these materials.

4. Relevant information about house purchase

When a borrower applies for a mortgage, he needs to provide the bank with relevant information about house purchase transaction, including house purchase contract, down payment voucher, landlord's real estate license, etc. Through the collection of these information, the authenticity of house purchase transaction can be analyzed, and the rationality of the transaction can be ensured through the analysis of house price. Therefore, it is very necessary to provide such information. Second, the impact of credit card arrears on the mortgage

1. Excessive debt

When reviewing the mortgage, the bank will analyze the customer's repayment ability according to the individual's assets and liabilities. If the borrower's name is too high, then the bank will think that the customer's repayment pressure is high, which will affect the repayment of the mortgage. If you owe tens of thousands of yuan on your credit card before applying for a mortgage, it will increase your debt, and the bank will be more rigorous in loan review, which may also make the loan approval fail.

2. Poor repayment ability

If you have tens of thousands of credit card arrears in your name before applying for a mortgage, according to the bank's calculation rules for loan amount, the difference between monthly income and monthly repayment is the place where the customer's repayment ability is reflected. Generally, banks require net income to exceed twice the monthly repayment amount of the mortgage. If you have tens of thousands in your name,