Have you escaped from the low-price trap of just needing a house?

Buying a house is a big deal, and getting a mortgage is also very troublesome. If you are rejected at this time, you will be anxious to get angry. Why was it rejected? The focus is on your credit information! ?

If the frequency of "hard inquiry" on the credit report is too high, and the user has no record of successful loan or credit card issuance, it means that the person's property status is not good. 90% banks and financial institutions will refuse to lend and issue cards. ?

Very important credit information: the number of hard inquiries directly affects the loan pass rate! ?

What is a hard query? ?

That's what hard queries used to mean! ! It is estimated that everyone is familiar with the credit report. More specifically, the inquiry of personal credit report can be divided into: personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. ?

Among them, "hard inquiry" is: credit card approval, loan approval and guarantee qualification examination. Too many records of this kind of inquiry will have a bad influence. ?

As shown in the figure below (the number of times in the figure below is calculated by the number of monthly queries)?

As an important reference factor for loans, the "hard inquiry" of credit information, you can't get a loan no matter how many times you borrow it, and even the bank doesn't have standard data. ?

Most of the rumors in the Jianghu come from friends, banks and various intermediaries. The inquiry on the credit report shall not exceed 5 times in 1 month and 10 times in 2 months. Banks have different requirements for the frequency of credit inquiry. What I have learned is that it can't be more than five times a month, otherwise it may affect the approval of loans such as mortgages. ?

How to minimize unnecessary "hard queries"? ?

1, stop it: you need to verify your loan/card and think twice before you do. Look at the conditions clearly and don't try blindly. ?

2. Look at the terms: many small loans check credit information. Read the user agreement carefully and make sure not to check the credit information before applying. Don't wait until you run out of credit information to regret it. ?

3. Hold your horses: Difficult inquiries will disappear after two years. If you have been checked dozens of times in a month or in the last two months, I suggest not to apply for a loan until the previous inquiries are reduced?

Whether you are playing cards or lending, you must pay attention to credit information, keep it well, and don't worry about emergencies! ?

The following behaviors will lead to poor credit reporting? ?

"Even three tired six"?

"Three consecutive years and six consecutive years" means that the lender is overdue for three consecutive months or six times in two years. Congratulations on reaching this standard. You have been listed on the list of bad credit information by the bank. This list will follow you for 3-7 years, during which your loan application will be affected. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly. ?

"Three consecutive years, six consecutive years" is mainly for personal loans, generally excluding XYK period. Among them, "Lian San" is worse than "Liu Lei" and belongs to malignant arrears. Banks put such people on the dangerous list, and basically there is little chance of success in applying for a loan again. ?

Bad debts?

Refers to the accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. "Bad debts" mostly appear in credit card accounts, so credit card users should pay attention to whether your credit card account debts have been cleared and whether there is a balance. ?

When your credit card is not used for a long time, both liabilities and balances will become "bad debts". There is 1 "bad debt" =50 "overdue" in the credit record. It goes without saying that ordinary banks will reply to the application directly when they see the word "bad debts". ?

Always check the credit report?

Bian Xiao has always mentioned that a number of lending institutions have inquired about the credit records in a short time (i query is fine, and institutional inquiries will affect the credit records). The bank decided that you were in urgent need of money recently, and doubted whether you could repay on time, thus rejecting the credit application. ?

Unpaid utilities?

There is a kind of person who owes water, electricity, gas and property fees ... as long as he can pay the living expenses, he is in arrears, and the neighborhood Committee will not open the door. In the past, these behaviors were not included in the central bank's credit record, but they may be included in the official credit scope in the future. ?

"Sleep" card not processed?

As long as you apply for a credit card, no matter whether the applicant opens an account or not, it will appear in the personal credit information system, and then it will be affected if you want to apply for a bank credit card. Some specific credit cards, whether you open an account or not, will generate an annual fee. If this point is ignored, it will be overdue and produce bad records. ?

Unpaid insurance premium?

If the insurance payment is overdue for more than three months, in addition to suspending the validity of the policy, it may be proposed by the insurance company. In addition, social security and provident fund deposit records are also important data for evaluating personal credit information. ?

Guarantee joint and several liability?

Sometimes, due to friends' morality or other reasons, users guarantee loans for others, but the guarantor has no money to repay and runs away. As a guarantor, there will be joint and several liability. If he doesn't assume the guarantee responsibility, it will become a stain on his credit record. ?

The interest rate has increased, but the monthly payment has not changed?

After the loan interest rate is raised, the interest rate of the unpaid part of the loan will be adjusted accordingly, and the "monthly payment" will still be paid according to the original amount, resulting in overdue interest, which is also common. ?

Information was fraudulently used?

In today's society, it is very common for personal information to be stolen, which is a sign of danger, which means that your own personal information is also in an extremely unsafe state. If your information is used by criminals to do illegal things, bad records will be recorded on your head. Therefore, when there is a problem with the inquiry of credit records, we must verify the situation with the bank to avoid loopholes. ?

In order to protect our rights, we need to take some defensive measures. Protect your personal ID card and its copy. When handing over the copy to others, it should be marked as "Reproduction is invalid" or "For xxxx use only" to avoid being fraudulently used by others. In our life, we should pay more attention to credit records. ?

How important are credit lists and credit records? ?

Repay the loan on time, and a good credit record is very popular with banks, which shows that your credit is extremely high, the risk of bank borrowing money is reduced, and banks are willing to lend you money. A good credit record is a prerequisite for applying for a loan, and different banks have different credit requirements for different loan types. General car loans will require a credit rating of more than three, and credit loans require a credit rating of more than two. It is difficult for borrowers with serious overdue credit information to get loans. Appearing in the blacklist of credit information shows that your credit is bankrupt and the bank is afraid to lend you money.

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How to query personal credit records? Log in to the Credit Information Center of China People's Bank, and make inquiries according to the steps. People who are about to buy a house should check their credit information in advance to avoid being refused a loan by the bank, and it will be too late to analyze it again!

(The above answers were published on 2018-01-31. Please refer to the actual situation for the current purchase policy. )

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