Bank refers to the number of overdue payments in the last two years. Under normal circumstances, if one of the spouses is overdue for three times in a row or six times in total within two years, they will not be able to get a loan. Three consecutive overdue: for example, a fund has a repayment period of one month and has not paid it back for three consecutive months; Accumulated six times: for example, if the repayment is overdue once, it will be overdue again, and this will happen six times. ?
One month overdue within five years has little effect on mortgage. As long as the arrears are settled, it is good to maintain a good credit report afterwards.
Extended content:
Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments.
Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report. 20 13,101October 28th, following the pilot projects in Jiangsu, Sichuan and Chongqing, the personal credit information service of the central bank was extended to all provinces in China in 20 15.
2065438+June 2008, the Credit Information Center of the People's Bank of China opened a personal credit information service platform, and published a personal credit report inquiry website and a credit information assistant on the official account of WeChat.
References:
Baidu baike