Does Alipay spend money on housing loans?

As long as it is not overdue, it will not be included in the personal credit report and will not affect the mortgage. Personal credit records are tainted, and there are many records of unpaid mortgages in loans overdue. Banks will consider risks and refuse to lend.

Providing personal credit records generally refers to when there is a demand for housing, loans, etc. The buyer applies to the People's Bank of China or official website for personal credit inquiry, and submits the personal credit record to the bank, and the lending bank judges whether to approve the loan according to the personal credit record. You can see a lot in personal credit records, such as the flow of funds and overdue repayment. Even unopened bank cards are recorded.

There are many factors that lead to the "stain" of personal credit records: first, credit cards are overdue many times or the overdue amount is large, personal loans, student loans applied for during college, and so on. They all failed to pay off in time within the prescribed time limit, and other malicious overdue repayments, such as the above-mentioned example of Mr. Wang, will be clearly listed in the personal credit record; Second, if the personal debt ratio is high and the debt ratio of ordinary residents reaches more than 70% of personal income, banks will question their repayment ability; Third, banks will not lend easily to those who guarantee huge debts for others.

Moreover, if personal credit records are inquired too many times, it will be questioned that this person has a high demand for loans, and the amount of housing loans applied for will be affected.

"Personal credit records are poor. Common credit cards are overdue for many times, and bank loans have not been paid off, which leads to poor bank evaluation." Lu Lin, marketing director of Hangzhou Shi Hao Winbond, said that the routine procedure is to make a simple evaluation before buyers buy a house, such as whether the credit card is overdue, how much debt, which suite it is and many other issues. "If it is a normal repayment, even if the second and third suites are purchased, the bank will adjust the loan amount according to the individual situation, but it will not refuse the loan." Lu Lin said.