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Can I still get a credit card after getting a mortgage?
you can apply for a credit card when you apply for a mortgage. Doing a credit card will check the customer's credit information. If the customer's mortgage is still being paid normally and there have been no other credit information problems before, it will not affect the application for a credit card. Mortgage is a big burden for most people. If you get a credit card, you should pay attention to consumption and don't overspend.

the process of buying a house with a loan

1. Knowing the credit information

First, if you want to buy a house with a loan, buyers should first check whether their personal credit information meets the loan conditions, and the exempted houses are also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

2. Know the bank

Before applying for a loan, buyers can go to the bank for consultation, ask what the loan application conditions, interest rate, approval time and lending time are, and then compare them to choose a cost-effective bank.

3. Information needed to prepare a loan

(1) ID card. If you are married, you need the ID cards of both husband and wife. Of course, if you are jointly signed, you need more ID cards;

(2) Household registration book. Note that in some banks, if you are not the head of the household, the information page and registration card of the head of the household should be copied;

(3) marriage certificate, that is, marriage certificate, divorce certificate, etc.

(4) The work proves that some banks have certain formats or certain elements, so you should ask the banks clearly;

(5) proof of income, the average bank will require the monthly income to be more than twice the monthly payment;

(6) File search certificate. This file search certificate is to go to the housing management department to check whether you have a house ownership record, that is, to check whether there is a house under your name. You have to go to the housing management department yourself;

(7) Other information required by the bank.

4. Sign a loan contract

If the loan conditions are met, the buyer will sign a sales contract at the sales office where he is optimistic about the house, pay the down payment, and prepare the materials needed for the loan to apply for a loan. The next step is to sign a loan contract with the bank, pay various fees, and apply for mortgage and insurance. This step is time-consuming, and banks need to review it. How long will it take? Every place and bank are different.

after that, the buyers need to wait for the notice to go to the bank for face-to-face signing, and wait for the bank to verify the materials. After the bank has verified, they will inform the buyers to take the materials and go to the Housing Authority for mortgage. (After the bank accepts your application, if the information is incomplete or insufficient, you will be asked to provide additional information.)

5. Waiting for the bank to lend money

Some banks need customers to go to the bank again to apply for a loan. After lending money, remember to ask the bank for a loan contract and iou that belongs to you. There are also two photocopies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need it when doing things.