Can I get a loan to buy a house if my credit card is not paid off, Zhihu?

Can I borrow money to buy a house if my credit card is not paid off?

The credit report is a personal credit information record issued by the People's Bank of China, and it is the basis for commercial banks to examine your loan qualification and credit record, depending on the personal credit record. It is recommended that you contact the Bank of China branch where you want to handle the loan business.

The above contents are for your reference. Please refer to the actual business regulations.

Can I borrow money to buy a house if my credit card is not paid off?

Yes, you can. As long as it is not overdue, you can apply for a mortgage. If it is overdue, it will be very difficult to apply for a mortgage.

Although the credit record is becoming more and more important, it has not been widely used in China's life at present, nor will it be used everywhere like abroad. At present, the biggest use is as a reference for bank lending. We ordinary people will borrow money from the bank when buying a house, and we usually have no chance to use credit records.

However, don't think that a bad credit record is far away from you. It's not just that your failure to pay your debts will lead to a bad credit record. Many unintentional behaviors will lead to bad credit records. Below I will explain in detail the precautions and solutions for maintaining credit records.

First of all, there are three kinds of credit records. Banks will directly refuse loans, and buyers should pay attention.

Bad credit card records, frequent inquiries about credit records, and many loans under personal names are the most common and easy mistakes made by buyers. In these three cases, banks will generally refuse loans directly, and buyers must pay attention.

1. Bad credit record of credit card leads to bad credit record.

The bad record of credit card is the most common mistake made by buyers, and it is also the bad record that most easily affects credit.

(1) Don't apply for credit cards frequently, and keep the number within five.

First of all, be careful not to have too many credit cards in your name. Many property buyers have applied for a large number of credit cards because they are eager to deal with the gifts given by credit cards. You may think that not opening the card will not affect your credit history. But this is wrong. Whether the card is opened or not, the credit history will be recorded. There are too many cards in your name, which will affect the bank's judgment on your financial situation. The bank will suspect that you use a lot of credit cards and refuse your mortgage.

(2) Remember to cancel the credit card. There will be an annual fee for the credit card that does not open the card.

You should remember to cancel the credit cards that you don't use frequently, so as to avoid too many credit cards and overdue. You should pay special attention to cancel those credit cards that don't open cards, because these credit cards that don't open cards may also charge an annual fee, and because you don't open cards, the bank won't inform you at all until you print the credit record.

(3) The credit card cannot be overdue for more than three times within one year, and the bad records shall be kept for 5 years, and cleared after 5 years.

Don't worry if it is overdue accidentally, because the bank has considered this unexpected situation. Generally speaking, credit cards are overdue no more than three times a year. The bank will predict that you forgot it by accident and will not think that there is something wrong with your funds. But it must be remembered that the number of overdue times cannot exceed three times a year. After overdue, you should cherish your credit record more and repay carefully. After 5 years, your overdue records will be cleared.

2. Frequently inquiring about credit records affects your credit records.

(1) Credit reports cannot be inquired frequently, not more than three times in half a year.

This is also the most common mistake made by property buyers. If your credit report is inquired too many times (more than three times in half a year), there is also a great chance that the bank will refuse to lend. Because only loans will use credit report now, your credit report is frequently inquired, which shows that you are borrowing money everywhere and there is great risk. In addition, the inquired institutions will also be recorded in the credit report. If the bank finds a large number of loan companies and institutions, it will default to your poor financial situation and refuse your loan.

(2) If you apply for a credit card and open online payment such as Alipay, Suning and JD.COM, you will check your credit records.

What if this situation is avoided? You should be aware that credit record inquiry must have your authorization. Without your authorization, other organizations have no right to inquire at all. At present, there are only two kinds of authorized credit records that buyers often encounter. The first is when applying for various credit cards, and the second is when applying for various institutional loans. The first category is very easy to avoid. It is unlikely that buyers will apply for credit cards frequently. In the second category, everyone is easy to get caught. You may not know that opening online payment such as Alipay Debit Card, Suning Paypal and JD.COM Debit Card is equivalent to applying for loans from these institutions. For example, when you first opened the Alipay debit card, it was empty. You must click Apply to show how much money you can borrow from Debit. At the same time, you are authorized to inquire about the credit report. The first step of all lending products is like this. Borrowing products can only tell you how much you can borrow by checking the credit report.

If you frequently apply for such online payment products, even if there is no loan in the end, because various loan companies frequently check your credit report, the bank will think that your financial situation is deteriorating and refuse to give you a loan.

3. There cannot be a large number of outstanding loans in the name of the lender.

(1) Credit records include online product consumption records such as JD.COM White Bar, Ant Borrowing, Suning Renxing Payment, Micro-loan, Baidu Finance, etc.

From 2065438 to May 2009, China launched a new version of credit record, which recorded almost all the payment products of online shopping websites, which were not presented in the previous credit report.

Nowadays, online shopping websites like to induce buyers to pay by installments, which used to be no problem, but now it will become your debt, because it is recorded in the credit report. The bank will deduct these liabilities when calculating your repayment ability. For example, if you repay 500 yuan/month in installments every month, your salary is 5,000 yuan/month, and the bank will assume that your actual income is 4,500 yuan/month, and then estimate the loan amount you can get on this basis.

Therefore, property buyers should pay off all online installment loans as much as possible before applying for loans to improve their financial strength.

(2) The subprime lenders of decoration loans, car loans and mortgage loans all have credit records.

Decoration loan, car loan, etc. In the past, it was presented on the credit record in the form of credit card repayment. The new version of credit information has now changed this way of recording, and every loan has a detailed record. If the mortgage is a joint loan between husband and wife, the loan record will only be recorded in the credit record of the main lender, but not the credit record of the sub-lender. But now both the primary lender and the secondary lender will record the loan situation.

In order to avoid problems in the credit records of husband and wife, buyers can use one of the loans when handling decoration loans, car loans and mortgages, which can ensure the other party's credit record is good.

(3) Company loans and loan help guarantees

There are other records of private lending and loan guarantee for others under the name of the credit record of the purchaser. If you have other personal loans, such as credit-free loans, credit card loans, etc. Basically, you can't borrow money to buy a house, and it is only possible to pay off these loans; Property buyers can print a credit report before applying for a loan to find out whether this situation exists.

Does the outstanding credit card affect the housing loan?

Credit card repayment in installments does not affect customers' application for mortgage. The customer prepares the relevant information, fills in the loan application form through the developer, and then submits the completed form together with the information to the bank for review. As long as customers pay attention to maintaining good personal credit, there is no overdue behavior in credit card repayment.

Generally, as long as the customer's personal credit is good; Have a stable income and the ability to repay on time; If the house has mortgage value, you can successfully apply for mortgage. If the customer is overdue when returning the credit card, he may not be able to get the mortgage in the short term.

Because overdue credit cards will be reported to the central bank for credit information, leaving a bad credit record in the customer's personal credit information; When the bank mortgage is approved, it will also check the customer's credit information. Once it is found that there are overdue bad records in the customer's credit report, it is very likely that the loan will be refused because of the customer's credit problems.

The overdue records on credit information cannot be eliminated in a short time, and often need to be kept for at least five years after the customer pays off the debts. Therefore, customers must pay attention to maintaining good personal credit.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. [2] Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject).

If my credit card is not repaid, can I apply for a mortgage loan?

If the credit card is not paid off, you can borrow money to buy a house.

As long as the cardholder does not have any problems affecting personal credit during the repayment process, he can apply for a loan to buy a house. Because in most cases, banks have no special restrictions on this aspect, which will only be one of the conditions for cardholders to approve loans. If the credit card is not paid off, the bank will account for personal liabilities, which will affect the credit card holder's loan amount.

Credit card is widely used in life, which can reflect a person's credit status, with both advantages and disadvantages. Once the credit card has a bad record, it is not easy to apply for a loan. So, can I borrow money to buy a house if I have arrears on my credit card? Can I apply for a mortgage for credit card arrears?

For credit card loans, banks mainly examine your financial strength and repayment ability. As long as your credit card is used normally and there is no overdue and bad credit history, a little debt will not affect your loan application. Banks will comprehensively consider whether to lend and how much to lend according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.

If the credit card is in arrears and has a bad credit record of overdue repayment, don't rush to cancel the card. You may not know that the cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For large credit card bills that cannot be paid off at one time, installment repayment is relatively cost-effective, which can avoid overdue credit cards.

It is understood that when a general borrower applies for a loan, the bank will strictly check the borrower's credit record. If the borrower has a large amount of credit card debt, then the bank will think that the borrower lacks integrity. Therefore, the loan is not easy. In addition, banks will also check the overdue time of their borrowers to decide. If the borrower fails to repay the loan within the specified time, he can also pay off the arrears first and then apply for a loan from the bank.

However, if the borrower cannot apply for a loan from the bank because of his credit history, he can also apply for a loan through non-bank lending institutions, such as private companies, pawn shops and guarantee companies. Because the requirements of such lending institutions are relaxed, the chances of obtaining loans can be greatly improved.

Therefore, in daily life, it is very necessary to maintain your credit record, and it is best to avoid this kind of behavior, because a good credit record is a stepping stone to apply for a loan, whether from a bank or a loan company. If the credit record is not good, the application for a loan will probably be rejected.

Can I borrow money to buy a house if my credit card is in arrears?

Credit card debt does not affect mortgage approval, but the premise is that credit card debt must be repaid normally and personal credit information must meet the bank conditions.

First of all, under normal circumstances, the principle for banks to evaluate credit information when handling mortgages is that they cannot be overdue for more than 6 times in the past two years, nor can they be unable to repay for more than 3 months in a row. If there are three records in the personal credit report, it is basically impossible to pass.

It also depends on the bank's requirements for credit reporting. Different banks may have different requirements for credit reports. Under normal circumstances, banks follow the principle of "three consecutive times and six consecutive times", but some banks have strict requirements, such as no more than four overdue times in a year or no more than two overdue times in the last six months. If there is a situation, it is likely to be rejected.

Secondly, in addition to credit investigation, banks will not simply consider how much credit card overdraft you have when approving housing loans, but will make a comprehensive evaluation from credit card overdraft, credit history, personal income and other aspects, and then get a score. Only when the comprehensive score meets the requirements of the bank can the mortgage be approved.

Generally speaking, you should pay more attention to using credit cards, try not to overdue them, don't blow up credit cards, and spend as little as possible, which is also conducive to raising cards. Also, don't always check your credit. If you always check frequently, you may be rejected by the bank.

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What are the serious consequences of overdue repayment of credit cards?

1, resulting in overdue interest and liquidated damages.

As long as the credit card is overdue, it will definitely generate interest and liquidated damages.

2. Bad credit record

After the deadline, the personal credit report will also have a bad credit record. This is very important, and it is related to the cardholder's application for loans and credit cards.

3. Bank collection may face criminal problems.

After the overdue period, if the repayment is not made for a long time and the overdue amount is large, you may face bank collection. Moreover, the bank may face criminal problems if it fails to collect the money.