Husband and wife borrow money to buy a house. There are online loan records on the credit records of subprime lenders, but they are not overdue, which will affect the mortgage.

It stands to reason that it is not a big problem for couples to borrow money to buy a house and ask for credit information. If there is no bad record, they can get a loan. If they borrow money to buy a house, they need two people's credit information, and they can't apply for a loan to buy a house with other loans. You need to go to your local bank to find out.

: 1. What are the consequences of loans overdue real estate mortgage?

Real estate mortgage loan is a form of applying for a loan from a bank with a house as a material mortgage guarantee, but if it is overdue, the consequences will be more serious:

1, the longer the overdue period, the higher the interest. After the overdue period, the interest will be calculated on a daily basis, and your repayment pressure will be greater;

2. Overdue will be collected by banks in various forms, such as text messages and telephone harassment. , will affect your normal life and work;

3. It will affect your personal credit information, and overdue records will be uploaded to the central bank's credit information system, leaving a stain, and it will be difficult to get a loan again; At the same time, if you go out, your means of transportation will be restricted, and if you are too dishonest, you will be blacklisted.

If the overdue period is serious, the bank will sue to the court, and your property may be auctioned, and the proceeds from the auction will be used to repay the debt.

2. How long does it take to auction the house mortgage in loans overdue?

1. When the borrower fails to repay the loan on time for the first time, the bank will notify and remind the borrower to repay the loan on time by telephone, SMS, etc., and will also incur penalty interest; If you still don't repay for three times in a row, you will be urged by the bank manager; If the number of overdue repayments reaches six or more times, or the bank and the borrower fail to negotiate, the bank will sue the borrower, and then the court will enforce the house auction to repay the loan. This process usually takes about three months;

2. How long the mortgage in loans overdue will be auctioned depends on the dunning measures of the bank you borrowed, but the overdue time and the measures to be taken after the overdue will be specified in the general loan contract. So look carefully when signing the contract.

3. What can be used as collateral for bank mortgage loan?

Real estate. Bank mortgage loans can be used to mortgage real estate first, including your personal housing, family housing, real estate factories, shops and so on. However, mortgage loans with real estate generally need to be evaluated first, and the loan can reach 70% to 80% of the evaluation price after the evaluation is completed.