Consequences of overdue
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
The factors that affect mortgage loans are as follows
First of all, the nature of your job.
The nature of your job often reflects your income level and income stability. Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.
Second, there is little water in the bank.
If the bank has less running water or less effective running water, the bank will think that you lack "repayment ability". The definition of "effective flow" is very important. "Book on the same day, take it out on the same day" and "one-time transfer in, one-time transfer out" are definitely invalid.
Third, the credit card is overdue.
When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.
Fourth, check the credit report frequently.
Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report. As long as there is an inquiry record of the credit report, the bank is likely to think that there is a history of "loan".
Verb (short for verb) is over-indebted.
The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.
Sixth, buy a house.
The house you bought is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about smaller and older houses.
Extended data
What are the precautions for handling loans?
Cautiously use microfinance products such as credit card installment and "flower bud" installment.
Credit card staging is similar to "flowers". In fact, this is a kind of lending behavior. First of all, it will increase your credit inquiry times. Second, this is also your debt, and the bank will think that your consumption habits are not good. Third, these "convenient" installment services are likely to cause you to forget to repay.
Use credit cards reasonably and accumulate "honest capital" for yourself. Credit cards and other loan products are not used well, which is called black households. They have never been used at all, and that is called white households. No matter "black households" or "white households", they are not quality customers for banks.
Healthy use of credit cards is also an act of accumulating "impression points" for future loans for banks, and it is also an act of "saving character".
References:
Baidu encyclopedia-credit card? Netease News-These factors may affect your housing loan.