Many people are unable to buy their houses in full, which involves loans. But before the loan, i advise you to check the letter. If you can't do it, you'll lose the deposit。
So, how does the whole process of checking letters work? How can you understand the report? Which pits can't be stepped on
The need for a letter before buying a house
No1. Need to check the letter before buying a house。
Bank mortgages are paid first, second on income and third on water. Letters of request are problematic and directly denied. Even if they did, interest rates rose and cut in half, and it was normal to repay more than 100,000 over 30 years。
If you sign the house's subscription, you pay a down payment, you don't get the loan, you default, the developers don't refund the down payment, tens of thousands less, hundreds of thousands more。
It was also assumed that “a few days after the due date” “micronet lending does not affect” and that as a result, banks were searching, over-charging, over-indebted and directly passing。
Therefore, the first step in buying a house is not to look at the house, not to count as a down payment, but to check letters。
What are the specific operational steps for checking letters
What about no2, the specific operational steps for checking letters
One is an online query, which can be done at home。
The most authoritative are the central bank's network of letter centre officials, which opens the computer browser, enters the china people's bank's network of letter centre officials and finds the internet's personal credit information service platform. New users register first, fill out their names, id numbers, mobile phone numbers and complete their real names。
The identification is then performed, the bank card is recommended for verification, the savings card information is entered, the bank has a mobile phone number and the identification code is collected. After validation, a request for a “personal credit report” query is submitted, a text message authentication code is received within 24 hours, and the entry of the authentication code is entered, so that the PDF version of the inquisition report can be downloaded and kept for the bank to see。
2. Mobile phones can also be used to pay app a cloud flash for “credit reports” on the front page, to verify names and faces, to agree to agreements, to submit applications and to report within the same 24 hours。
There are also mobile phone banks in dozens of banks, such as trade unions, construction businesses, middle-class businesses and recruitments, which search for “mail queries” and operate on alerts, as well as the same. The first two online inquiries are free of charge and are sufficient, but be careful not to mess with third-party links and leak information。
Incoming inquiries
No3, in-line search for letters。
Remember to take his/her original identity card to a local people's bank network or a bank network with a letter machine. Put your identity card on the machine, make face recognition, lose a cell phone number, print it and get a detailed paper letter in a few minutes, which the bank approves. It is also free of charge twice a year, so it's easy to get close to the internet。
We got a report. Focus on four
No4, correspondence reports have been identified, focusing on four, and none else。
First, overdue records。
It's a red line! For nearly two years, it's been three months, six times in a row, and mortgages are barely working. More than 90 days after the expiration of the deadline, which is a serious stain, will not be eliminated until five years have elapsed. It is important to see, on a line-by-line basis, whether credit cards, car loans, internet loans, even if a few dollars are overdue, have been paid in advance。
Second, search records。
Emphasis is placed on loan approval, credit card approval and security eligibility. In the last three months, more than six times, and more than 10 times a half year, the bank will find you extremely short of money and refuse to pay directly. Self-inspection letters, bank post-credit management are soft queries and do not affect them. Don't do anything about online lending, measuring, credit cards. Every single point is a hard search. The letters are checked and not necessarily recovered for six months。
Third, liabilities。
Total liabilities cannot exceed 50 per cent of monthly income and credit card usage is not above 70 per cent. Unsolved network loans, multiple instalments and large consumer loans are considered to be under high repayment pressure, reduced or rejected. Three to six months before the purchase of the house, every effort was made to settle the network loan, reduce the credit card liability and not create additional liabilities。
Fourthly, guarantees and public information。
If you guarantee someone else, if they don't pay back, you'll be jointly liable. There are also tax arrears, administrative penalties, court enforcement records, and there are no housing loans。
In the end, there are five iron rules for sharing the letter of purchase
Finally, there are five iron rules that allow you to share your house search letters。
1. Letters are checked three to six months in advance, there are problems of early repair, and no further loans are required。
2. No internet loans, no consumer loans, no random authorization to check letters and no frequent requests for credit。
3. All loans, credit cards are repaid on time and automatic repayments are set up to eliminate overdue payments。
4. During the period between the approval of a mortgage and the release of a loan, no new card, no loan, no term, no small amount is charged。
5. Letters are checked only through official channels, twice a year free of charge, sufficient, safe and without prejudice to approval。
Thus, the above is about why personal letters are being searched, about the specific operational steps, etc. In fact, it took 10 minutes to get a letter before buying a house, and it helped you avoid hundreds of thousands of losses. Don't get in trouble, don't get in trouble. How many people do it because they're lazy and they're empty。
In the end, whether you're going to buy a house this year or next year, if you want a loan to buy a house, go check out the letters, have a heart and buy a house。
Let's hope we can help you by transferring this article to your friends who want to buy a house。
