Can I get a loan without a credit report, Zhihu?

Can I borrow money to buy a house without a credit record? There is a good chance!

Nowadays, credit investigation has become an important document that people can't do without. No matter what financial business they handle, it will be related to credit investigation to some extent. Many people think it is a good thing that their credit records are blank. In fact, they want to buy a house, and it is not necessarily good to have no credit record. Today, let's talk about this.

First, the basic conditions for buying a house by loan

1, a natural person with full civil capacity, aged between 18 and 65 years old, who provides the identity certificate, residence certificate and income certificate required by the bank.

2. The sum of the applicant's age and the loan term shall not exceed 70 (different banks have different regulations).

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements.

4. The borrower has a stable income and the ability to repay the principal and interest of the loan.

5. Personal credit is good.

Second, can I borrow money to buy a house without a credit record?

Of course. Many banks with low thresholds have low credit requirements for buyers and have no credit records. Even if there are many credit records, overdue and default records, it will definitely have an impact on the mortgage.

No credit history just means no reference materials. The bank will judge your repayment ability according to other materials, and will lend money if it meets the conditions. Don't worry too much.

I suggest that you can cultivate good credit information through some financial tools, which is conducive to buying a house and a car in the future. For example, if you have a credit card, your daily consumption expenses will be paid through this card, and the loan amount will be increased rapidly through appropriate stages. The next time you apply for mortgage business, the bank can judge the integrity through your credit line and repayment record, which is very helpful.

Can I get a loan if my personal credit information is blank?

Credit investigation is the content that directly reflects the borrower's credit situation, and it is also an important factor that affects whether financial institutions lend. Someone asked if you can get a loan if you have a blank credit. Today, I will answer your question.

In fact, the blank of personal credit information is what we usually call credit white households. So, can white borrowers get loans? The answer is, of course, yes.

Although generally speaking, when a borrower applies for a loan, the lending institution will require the borrower to have a good personal credit record. Then, if the borrower has never had a credit card use record or a loan handling record, he has no personal credit record, which is the so-called blank personal credit record.

The credit report of such a person who has never applied for any loan or used any bank credit card is blank, and there is nothing except personal basic information. So is it easy for a person with such a blank credit record to apply for a loan? It can only be said that people with blank credit records may apply for loans, but they are not the most favored customer groups of lending institutions.

Lending institutions, like customers with good credit records, apply for loans for many times or have been using credit cards normally, without loans overdue or overdue credit cards, belong to groups with good credit records. People with blank credit records apply for loans only better than those with bad credit records, and will not be directly rejected by lending institutions.

What needs to be informed is that some loan platforms don't look at users' credit information. If your third-party credit is good, you can successfully apply for a loan. For example, Alipay's loan, Xiaomi's Xiaomi loan and so on are all loans of this type.

In addition, you can also apply for a credit card, keep the record of repayment on time, and the credit is not blank. It is also very simple to bid farewell to the blank of personal credit information, but it must be noted that it is very troublesome to repay on time and not overdue, otherwise it will become a credit loan user.

Can I get a loan without a credit report?

Generally speaking, you can.

Generally speaking, having no credit record is not an obstacle to successfully applying for a loan, unless individual banks stipulate otherwise. In addition, if you successfully apply for a loan, the borrower should remember to pay attention to the maintenance of personal credit and form a good habit of repaying in full and on time on weekdays.

Personal credit report:

It is an objective record of personal credit information. Record all personal credit payment history. Including:

Performance records formed by the credit relationship with financial institutions;

Performance records formed by loan relationship with other institutions or individuals;

Performance records formed by the credit purchase relationship with commercial institutions and public institutions;

Performance records formed by economic relations with housing provident fund, social insurance and other institutions;

Records of unpaid taxes and fees that should be paid according to law; Various commendation records;

And other criminal penalties, administrative penalties, administrative penalties or civil compensation records that may affect personal credit status;

Personal credit report is an important reference for lenders to quickly and objectively decide whether to provide credit to the trustee.

Bank loan terms:

Personal credit loan conditions:

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.