Of course, if the customer pays the loan on time, does not appear overdue behavior, and his personal credit has always been good, then the impact of large credit card swiping on mortgage lending will not be great. After all, it has passed the examination and approval, and then the loan contract has been signed and the mortgage registration has been completed according to the process. Without any accident, the bank will naturally lend money.
It is suggested that customers should avoid the behavior of swiping credit cards in large amounts before mortgage lending, especially in the process of mortgage approval. Moreover, everyone needs to pay attention to the fact that a large amount of credit cards will lead to a heavy repayment burden, and then a mortgage will be added. If it is impossible to repay, it will be bad. You should consider your own economic situation and repayment ability.
Extended information:
How long does it usually take to make a mortgage loan
Generally, the mortgage loan will be completed within one to two months after the loan contract is approved, the customer signs the loan contract and goes through the mortgage registration formalities. Of course, sometimes things are delayed, for example, the bank is short of funds, so the loan may be delayed, for example, it will take three or four months to be released.
and we need to pay attention to, if the loan has not arrived after five or six months, or even more than half a year, we suggest that customers take the initiative to contact the bank customer service for consultation to see what is going on, whether the loan has failed and the mortgage has been rejected. If there is nothing wrong with the real estate developer and my credit standing is good, the customer can appropriately urge the bank to delay the loan and make a complaint.
of course, in the face of the tight bank quota, customers have no good way to solve it, so they have to wait patiently. If you really can't do it, you can choose to give up, then check out and refund the down payment; Or another bank can reapply.
will you check the credit information after the mortgage loan?
after the mortgage loan, you will check the credit information. During the repayment period of users, banks will inquire about credit information from time to time, one is to look at the repayment situation of users, and the other is to pay attention to the debt ratio of users. This kind of credit information inquiry record is called post-loan management. Almost all banks will carry out post-loan management, and post-loan management inquiry records will not affect users' credit information.
Moreover, if the bank does not manage the loan, the subsequent risks will be uncontrollable. In case the user is overdue, the bank will bear the losses on its own.