信用污点或致申请不到房贷（Credit stain or not apply for mortgage）.docVIP

信用污点或致申请不到房贷（Credit stain or not apply for mortgage） Previously only heard that credit card overdue will affect the credit, I did not expect overdue repayment of student loans will also leave a bad record. Recently, a Guangzhou white-collar worker who failed to pay for a loan because of a student loan failed to make a big deal on the internet. The contract was not stated at that time and thought it would be all right to pay all the money within the prescribed time limit.. Reporter consulting bank sources learned that, in fact, as long as the banks and all the overdraft behavior, are likely to produce bad credit record. Because of the large credit card base, all problems arise, easy to attract attention, and student loans, mortgages and other loans overdue, in fact, there will be bad credit records. Overdue repayment will result in bad credit record Because of the bad credit system records lead to loans can not happen, often occur, and often are caused by personal reasons, reflecting the majority of people on the importance of personal credit is not high. A staff member of one of the four major state-owned banks told reporters. With the construction and management of personal credit reporting system perfect, personal credit information has become an important standard to measure personal credit in buying a house loan. In recent years, a lot of buying in the market, but found that credit card overdue repayment in time, the bank refused to deal with mortgage. In particular, the personal credit rating system, the production of bad records, not only related to credit cards, all the overdue repayment of loan behavior, may have a credit problem. According to the above bank insiders, in fact, credit cards and loans, all belong to the category of overdraft, now bank loans are divided into two hundred kinds, if these loans overdue owing on the loan, the borrower will have a bad credit record. For each bad record of credit reporting systems, each bank has different criteria. F