The loan industry differentiates the situation in loans overdue from a simple point of view, that is, if you loans overdue three times in a row or loans overdue six times in total, the situation in loans overdue will generally be more serious. However, if it only happens once or twice, and the duration of loans overdue is not too long, it will be paid off immediately after it is overdue, and the housing loan is still acceptable to the bank at present.

2. You don't need to have a loans overdue two years before buying a house with a loan.

There is a record of overdue credit information, which lasts for five years from the date when the overdue loans are paid off. However, the key for financial institutions to check personal credit loans to buy a house is to look at the situation in loans overdue in the last two years. Therefore, as long as there is no loans overdue in the two years before the loan to buy a house, it is still very promising to use the loan for approval.

3. Take the other half as the main borrower.

If you, as a lender, can't get the approval of the bank loan when the credit information is overdue, then you will have a great chance to get successful approval and complete the loan to buy a house by taking the other half as the main borrower and then proving your good repayment ability through good work income and reporting personal property.

Is the structured deposit below 500,000 guaranteed? Generally speaking, structured deposits of less than 500,000 yuan are guaranteed. As structured deposits belong to time deposits, time deposits are all included in deposit commercial insurance. However, it should be noted that structured deposits are composed of general deposits and financial derivatives stock index futures, which are also different from ordinary deposits.

Therefore, the interest rate of structured deposits fluctuates up and down, mainly depending on the main performance of the subject matter price. Whether the structured deposits below 500,000 are guaranteed or not depends on the situation. The general deposit contract will indicate whether the service commitment is 65,438+000% guaranteed, so you must read it clearly when depositing structured deposits.

Is structured deposit risky? Structured deposits are risky, but not risky. As we know, structured deposits are composed of general deposits and financial derivatives stock index futures. General deposits are guaranteed, but the stock index futures of financial derivatives are similar to investment and wealth management, so the interest rate of structured deposits will fluctuate to some extent, which are all these reasons.

When the investment and wealth management market is good, the interest rate of structured deposits is actually higher than that of ordinary deposits, so if the investment and wealth management market is not good, the interest rate of structured deposits may be slightly lower than that of ordinary deposits.

The above is "Is the structured deposit below 500,000 guaranteed?" ,