Does not paying property fees affect personal credit information?

Failure to pay property fees will not affect personal credit information, but at present, the Credit Information Center of China People's Bank is promoting version 3.0, which reflects personal credit information in multiple dimensions and is ready to include these dimensions of property fees. So I suggest you check your credit report regularly to see if there is anything unusual. Next, I will explain it to you from two aspects: the inquiry method and whether there is any problem with the credit investigation.

First, there are three ways to query. The first way is to go to the offline institution (credit center) of the People's Bank of China or the bank outlets that provide credit inquiry machines. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third is to query through the APP of commercial banks, but there are fewer banks that have opened this function at present.

Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.

Second, how to see if there is a problem with credit reporting? Banks see if there is any problem with your credit information, mainly in the following aspects:

(1) Whether there are overdue records.

Credit information will clearly show whether you are overdue, how many overdue periods and how much overdue. If some loan banks see that your credit card is overdue for only one or two days and the amount is only a few tens, they will be lenient. If it is other long-term overdue and the amount is large, it will basically be blacklisted by the bank and will be eliminated after waiting for 5 years.

(2) Whether there are other relevant implementation information.

The current version of the credit information does not access other institutions except financial institutions, so it does not reflect the payment record of real estate, but the People's Bank of China is promoting the credit information upgrade. Now it's version 2.0, and version 3.0 will include these.

In short, unless you are particularly short of money, it is recommended not to default on property fees for a long time. If you have any difficulties, you should communicate with the property in time. In addition, maintaining a good repayment record is also to correctly safeguard your rights and interests.