If the credit information is expensive, can I still use the real estate license as a mortgage loan?

Because real estate mortgage borrowers must meet the following conditions:

(1) has legal identity.

(2) Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record.

(3) There is a legal and effective purchase contract.

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

(5) If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years.

(6) It can provide effective guarantee recognized by the loan bank.

(7) Other conditions stipulated by the lending bank.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.