How to eliminate the loan examination and approval record in credit investigation?

What if there is a loan approval record on the personal credit report?

There are loan approval records in the personal credit report, and only the loan approval records in the last two years will be displayed in the credit report, and will not be displayed after two years, so if there are loan approval records, there is no need for additional processing. As long as there are not too many loan approval records, users' credit information will not be affected. And if there are too many records, personal credit information will be spent directly.

When a user applies for a loan, he must have a loan approval inquiry record, which itself will not affect the user's credit information.

What does it mean that personal credit information has loan approval?

The borrower's credit report shows "loan approval", that is, the borrower applied for a loan in a bank or other financial institution. There are two kinds of loan approval records, one is inquiry and the other is loan application.

Inquired record: refers to the borrower's authorization to financial institutions, so that financial institutions can inquire about their personal credit reports. It can only show that the borrower has indeed applied for a loan credit line, and whether it has specifically applied for a loan is not necessarily true.

Loan application: The borrower not only applied for a credit line, but also applied for a loan, and should also have corresponding repayment records.

The inquiry times of credit report are generally divided into loan approval, credit card approval, pre-insurance review, guarantor qualification review and post-loan management. Loan approval, credit card approval, etc. It's all ordinary credit records. It does not have much impact on the borrower's credit application.

Credit card approval and loan approval appear in the credit report. Does this affect the mortgage?

It is normal to have loan approval in the credit report, because you have to approve credit cards and apply for loans, which does not affect housing loans.

If there is no overdue repayment or other bad record in your credit report, as long as the income and repayment source meet the loan conditions when applying for a mortgage, the bank will only consider the applicant's total debt and whether it can repay on time, and nothing else is important.

If there are not many loan approval records on the credit information, it will not affect the handling of loans. If there are too many approval records, financial institutions will think that the borrower's approval will affect the handling of loans. It is suggested that borrowers should not apply for loans on multiple platforms in the short term, and keep personal credit information so as not to affect the handling of credit business.

What is the mortgage processing process?

The process of applying for a mortgage in a commercial bank is:

1. The borrower first prepares the purchase materials and goes to the bank to apply for a mortgage.

2. Submit the mortgage materials, wait for the bank's review and conduct face-to-face signing.

3. After the approval of the bank, the borrower goes to the bank to sign the loan contract, go through the mortgage formalities of the house, and finally wait for the bank to lend money.

The application process of provident fund loan is:

1, prepare the materials, and then apply for a loan at the local provident fund center;

2, provident fund center for review;

3. After the approval, the Provident Fund Center will transfer the materials to the cooperative bank for review;

4. Give opinions after the approval of the bank, and the provident fund center will decide whether to approve the loan;

5, provident fund center agreed to lend money, the borrower signed a loan contract, mortgage and other procedures;

6. The Provident Fund Center informs the bank to lend money.

Matters needing attention in handling mortgage loan

1. The information provided to the bank should be true.

To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough ability to repay the loan, but you exaggerate your income level, you may default at the initial stage of repayment, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and thus affect your loan application.

2. Choose the repayment method that suits you best.

At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.

I have never made a loan, and there is a loan approval record on the credit report. What should I do?

If there is no loan but there is a loan approval record on the credit report, you can go to the relevant banking institution first. If there is an examination and approval record for reasons other than your own, you can ask the relevant banking institution to change the record.

Article 25 of the Regulations on Credit Management stipulates that:

If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

Extended data

The prosecutor reminded that the personal credit record is vividly called the "personal economic identity card" of the credit society. When handling credit cards, lending to buy a house and a car, or even renting a house to apply for a job, it is possible to find out whether the personal credit record is clear and reliable. Once there is a problem with personal credit records, it will have various adverse effects on daily life.

Therefore, for everyone who lives in a credit society, it is particularly important to protect personal privacy information, keep personal credit-related items such as ID cards, and develop the habit of reasonable consumption and timely repayment, so as to have a good personal credit record.