If a bank has a bad record for three times in a row, how can it be regarded as a bad record of the b

It shouldn't be affected! But you can't listen to the developer, under normal circumstances, this article will be used as a reference, for example, if the repayment is seriously delayed, the bank will consider your financial problems, and the developer will of course say it's okay! You can go to the bank for consultation, but don't check your credit record in the bank, because the current banks are connected to the Internet, they will see your records, if you say that you can't get a loan from A, then B will do a reference, and may not pass!

If you can't get a loan, you can buy the house in your loved one's name and then convert it after 5 years.

By the way, when you go to the bank to inquire about this situation, it is best to say the date of your default. Because for example, if your later repayment record is good, he will overwrite your previous bad record, and each bank will inquire about your recent situation (the time frame varies from bank to bank). Good luck, hope!

You can first make an agreement with the developer and sign a contract. Each bank's lending standards are different, some banks believe you, and others don't. Make sure you can get a loan first, and then pay it back. lest you not be able to do it when you get it, it will really be a loss to the lady and a soldier.

You should go to the bank to make sure, if the bank says yes and you can sign the contract. Because you want to make sure that you can get the loan, but you have a bad record with the bank and you have to ask the bank for mercy three times in a row.

Three bad records can be a loan fine.

1.The customer is currently overdue in the bank's personal credit reporting system or bank and interbank accounts (including housing loans, car consumer loans, personal consumption loans, credit cards, etc.), or has a bad record of overdue for more than 90 days in the last 12 months.

2.Through other credit reporting channels, it is learned that the customer has one of the following circumstances:

1) Being included in the bank, interbank, or credit reporting agency's bad customer database due to illegal card use and other behaviors.

2) There is a major litigation or arbitration or other legal dispute as a defendant.

3) There is malicious deception of bank funds.

4) Have a criminal record while serving a prison sentence or within the last 7 years.

3.Other bad credit behaviors as determined by the card issuer.

4.The customer has had a bad record of overdue for more than 60 days in the last 12 months in the bank's credit information system.

Credit card overdue, loan overdue, guarantee, etc., tax arrears records, utility bill arrears records, mobile phone number arrears records, etc.

When a citizen with a bad credit record borrows money with a bank, and fails to repay the loan as agreed, the bank submits the relevant information to the People's Bank of China, and the People's Bank of China writes the above behavior into the citizen's personal credit record, and such a record is called a bad credit record.

In any of the following circumstances, it shall be recorded in the bank's bad record:

The customer's current status is overdue in the bank's personal credit reporting system or bank and interbank accounts (including housing loans, car consumer loans, personal consumption loans, credit cards, etc.), or there has been a bad record of overdue for more than 90 days in the last 12 months (i.e., the overdue status is marked as "4").

Through other credit reporting channels, it is learned that the customer has one of the following circumstances:

1) Being included in the bank, interbank, or credit reporting agency's bad customer database due to illegal card use and other behaviors. 2) There is a major litigation or arbitration or other legal dispute as a defendant.

3) There is malicious deception of bank funds.

4) Have a criminal record while serving a prison sentence or within the last 7 years.

Other bad credit behaviors as determined by the card issuer.

The customer has had a bad record of overdue for more than 60 days in the last 12 months in the bank's credit information system (i.e., the overdue status is marked as "3").