Personal credit is very important for bank loan. Once there is bad record in personal credit report, it is likely to be refused by bank. So if there is a credit stain, can we borrow money? How to eliminate the credit stain?
Is credit tainted and can we borrow money
According to the severity of overdue credit, it can be roughly divided into the following two situations:
1. Only one or two credit card overdue, such banks generally will not refuse to lend, but may appropriately increase the loan interest rate.
Xiaobian suggestion: if it's a house buyer, you can ask more banks, because if the interest rate of real estate cooperative bank is preferential, you can enjoy preferential treatment when you apply for loans in some banks, and you can choose one with the lowest interest rate.
2. If the credit card is overdue for three times or six times in a row in two years, generally speaking, the bank will refer to the number of overdue times of the individual in the past two years when examining and approving the housing loan. Generally speaking, if one of the husband and wife is overdue for three times in a row in two years, or overdue for six times in a row, they will not get the loan. The meaning of three consecutive overdue repayments is that, for example, the repayment period of a sum of money is one month, and it has not been paid back for three consecutive months; while the cumulative six times refers to one overdue repayment, another overdue repayment, and so on.
Xiaobian suggests: if the applicant can provide evidence of unintentional overdue, some banks may open the door. For example, some people just forget to use the card after opening it and only owe the annual fee. Some people need to go to the head office to issue a certificate that they only owe the annual fee and can still apply for a house loan.
There are also some banks, if the amount is not large (generally less than 500 yuan), to open a non malicious overdue certificate, increase the down payment, or the bank needs you to deposit tens of thousands of yuan, give the bank a certificate of deposit of fixed deposit, and then you can apply for a mortgage.
It is worth mentioning that if the cardholder forgets to repay, he / she should apply for timely repayment. Repayment on time refers to the repayment made by the cardholder within three days after the latest repayment date, which can be counted as repayment on time, and the overdue payment will not be recorded in the personal credit record. If the cardholder repays after the bank's grace period, he / she should immediately submit a 'non malicious overdue certificate' to the bank, and it is also feasible to apply for cancellation of overdue records, provided that the amount is not too large.
How to eliminate the credit stain
The credit stain is not like the black intermediary's introduction of 'money' to the disease, but needs time to 'purify'.
In the credit report we found in the central bank system, we recorded the use status of the cardholder's credit card in the past 24 months. When you have a record of overdue repayment, if you choose to continue to use the card and keep a good record of monthly repayment in full and on time, the repayment status of this card will be constantly updated in the last 24 months. Two years later, the previous overdue record will be replaced by the new record.
This is a comprehensive coverage, but sometimes it doesn't need to be so troublesome. It only needs to cover the last few months. It depends on what you want to do. The bank will check the last few months.
It's a dead end, but now banks are not the only ones who can get loans, and not all lending platforms can check credit, right. Both online loan and small loan companies are optional. It depends on how to choose.
The above is about whether the credit can be tainted in the bank loans related content, thank you for reading.