When you go to a bank to apply for a mortgage, you need to issue a credit report, because many information that banks need to know is withdrawn from the personal credit report. The credit center gives the bank an objective record of personal credit records, which can only be seen by the inquired person, and the bank can provide detailed information.

To sum up, going to the bank to apply for a mortgage needs to look at personal credit information, and the bank can issue credit information details that users can view.

Personal credit information of extended data will be refused loan under the following circumstances:

No payment for three consecutive months in the last two years, six months overdue.

Too many credit inquiries will also affect the loan application and even be rejected directly. Generally speaking, the loan application will be affected if the inquiry is made more than 6 times in half a year, and the inquiry is made more than 10. If you refinance, you may be directly rejected by the bank.

Too much credit card overdraft, 654.38+ 10,000,200,000 will affect the loan.

At the end of last year, the state severely cracked down on "down payment loans" and strictly investigated the inflow of "consumer loans" into the real estate market.