Recently, we have seen a heated discussion that the use of loan will affect personal credit, bank loans, housing loan approval and so on. And some people say that when they apply for housing loans, the amount of housing loans has been reduced. Is it the reason why they often use loans?
Will the use of ant loan really affect the housing loan amount?
1、 How to open ant loan
The applicant must first satisfy these requirements, and the personal Alipay account has been authenticated. Mobile phone number with real name authentication; At least one bank card has been bound; Sesame credit score is above 600. To meet the above requirements can be directly opened.
2、 Will the use of loan affect the amount of housing loan?
With the continuous expansion of credit business, Alipay has been favored by many young people because of its advantages such as fast arrival time, support for installment repayment and other cash loan products. Especially, some people have borrowed loans to tens of thousands or even two hundred thousand of the amount.
When the borrower submits the loan application to the bank, the bank gives a certain amount of loan through rating. If the borrower has used ant loan and is in the repayment period, the bank will first subtract this part of the amount from the original amount when approving the amount, which will virtually reduce the actual amount of loan approved by the borrower.
In other words, if we borrow 50000 yuan for consumption before we buy a house, and now we need to apply to the bank for a loan to buy a house, the bank could have approved 300000 yuan, but since we have already borrowed 50000 yuan, in fact, we only get 250000 yuan in the end.
3、 Will frequent use of loan affect housing loan?
Frequent use of loan and failure to repay on time will definitely affect housing loans. If the loan is frequently used and overdue for many times, and the overdue time is relatively long, it will also affect the mortgage approval. Alipay has access to the central bank's credit information system by borrowing. If the user repeatedly overdue repayment, the corresponding credit record will be worse.