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What are the changes in the new credit reference in 2019? Divorce and buying a house are cold

Recently, the central bank announced that the new version of credit reference has been put into trial operation. If the action is fast, it will come out in May and June. So, what are the changes in the new version of credit reporting? I'll talk to you today.

What are the changes in the new version of credit reference?

1、 Divorce and buying a house are cold

Fake divorce to buy a house everyone has heard of, now this kind of operation is also more common. However, after the new version of credit reporting came into effect, it was impossible to buy a house by false divorce. The new version of the credit requirements is like this: after the divorce of the house of both husband and wife, the non principal lender also belongs to the house with loan.

What do you mean? In the past, the husband and wife paid the mortgage. If the man took the loan, the woman's credit reference would not show that there was a mortgage, so through divorce, the woman could borrow again to buy a house. Now, the new version of credit reporting stipulates that husband and wife are joint borrowers. Both of them have loans. Even if they are divorced, they still show that they have a mortgage. If they want to buy a second house, they have to pay more down payment.

2、 It's more difficult to get a loan with a mobile phone number

For those who have nothing to change their mobile phone number, we should pay attention to a little bit, because it will be more difficult to get loans from the bank in the future. The old version of credit reference only includes the mobile phone number reported by the latest business system, while the new version will include the mobile phone number and information update date of the last five business system reports.

Mobile phone number changes frequently, the bank can see from the credit investigation, and suspect that your job and residence are unstable, which increases the difficulty of loan approval.

3、 Bad records have been kept longer

In the old version of the credit reference, the bad record was only kept for two years. Once the time passed, there was no impact on the new loan. Now, the new version of credit reporting stipulates that the retention time of bad records is extended to five years. If the credit card is not careful and overdue, it will even affect the loan to buy a house within five years, which is more disturbing.