How long will it take for the certificate of settlement to come down?

It usually takes about 15 minutes to get the certificate of settlement. If the settlement certificate cannot be opened from the mobile phone, just open it on another computer.

1. How to open the loan settlement certificate?

Take Apple 12, ios 14 and Alipay version 10.2.3 as examples. First, open Alipay on the mobile phone, search for deduction, then click My, select the settlement voucher, select the credit record settlement voucher, select the template, follow the steps prompted on the mobile phone, and finally fill in the email address, about 15 points. I thought it would be enough to issue all the settlement certificates.

Second, many loan records have been paid off, will it affect the application for mortgage?

In the first case, if there is a record of overdue loans, the mortgage will definitely be affected. As mentioned earlier, at present, in addition to sesame credit, the loan records of loans will be uploaded to the personal credit information system. If there is a record of overdue loans, it will definitely affect the personal credit report. At present, the basic principle for banks to provide credit information when approving mortgage loans is that the repayment is overdue for no more than six times in the last two years, and there is no case of non-repayment for more than three consecutive months. If your loans overdue is heavy, it may be directly rejected by the bank, and the interest rate may be higher if it is light. In the second case, although there is no overdue loan record, there are frequent loan records in the near future, which will also be affected. When banks approve mortgages, they will not only look at overdue credits, but also focus on credit inquiry records and recent loan records. If the applicant has frequent credit records or loan records in the last six months, the bank may think that the applicant is currently short of money and cannot apply for a loan, or everyone has doubts about raising the down payment through other loan channels. At present, the state prohibits consumer loans from entering the property market.

In short, Jimei has now become one of the important financing methods for many people, and has won the recognition of Alipay users with its efficiency and quickness. Therefore, customers with good conditions or general training will use loans at present.