Can I take a mortgage to buy a house if I have arrears from the bank Since last year, I don t need t

Hello, if your bank arrears affect the credit investigation, it must have an impact on the loan, and the foreclosure house can be loaned.

At present, foreclosure houses in first-tier cities and most second- and third-tier cities can be directly mortgaged, and the loan policy is the same as that of the second-hand housing loan in the city. Moreover, the loan of foreclosure house, referred to as foreclosure loan, has great advantages over the mortgage loan of second-hand housing

1. Fast loan approval, basically the loan approval and disbursement are completed within 3-5 working days;

First ordinary house: 65% of the transaction price, non-ordinary house: 60% of the transaction price

2 ordinary houses: 40% of the transaction price, non-ordinary houses: 20% of the transaction price

2. Only check the credit once, the second-hand housing mortgage loan will check the credit twice, the loan will be checked once, and the loan will be checked once;

3. It is easier to increase leverage, and the foreclosure loan can use a credit loan as a down payment, so that it can also achieve 0 down payment or even negative down payment.

The "Regulations on the Administration of the Credit Reporting Industry" stipulate that the retention period of negative personal information by credit reporting agencies is 5 years from the date of termination of the negative conduct or incident; Where it is more than 5 years old, it shall be deleted. When you handle a new business, the relevant departments will generally give priority to recent consumption and repayment records.

The People's Bank of China stipulates that all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot be tampered with. If you apply for a loan credit card business in China Merchants Bank, our bank will not make any bad evaluation of your usage records, but will only give you truthful feedback on your historical usage records without any subjective judgment. If there is already a bad credit report and there is no doubt about the record, it can only be a follow-up guarantee of good repayment habits.

Hello, I am very happy to serve you and answer the question of how you can get a loan from the bank after purchasing the foreclosure house in full. Yes, <>

<> commercial bank will pre-approve the loan business for the bidder in advance, and issue a personal housing loan after the bidder successfully bids for the subject matter. The court supports qualified service providers to carry out "foreclosure loans" related services. For auction objects that can be loaned, the court will mark the "loanable" mark when listing the auction, and the auction announcement will leave a loan consultation**.

Before the auction starts, the bidder will contact the service provider for the approval of the "foreclosure house" loan through the loan consultation**. The "foreclosure of the loan" business will effectively solve the financing problems of bidders, alleviate the financial pressure of buyers, reduce the problem of unsuccessful auctions caused by the high total price of the house and the difficulty of raising funds through one-time payment by bidders, and improve the efficiency of judicial disposal of the real estate involved in the lawsuit.

Summary. Dear, it is possible to borrow from the bank for foreclosure houses, but you should be prepared in advance. Generally speaking, the loan of foreclosure is divided into two aspects, one is to look at your personal loan qualifications, and the other is to look at the loan qualifications of the auction.

You need to prepare your ID card, household registration book, marriage certificate, income certificate, bank statement, credit report and other materials, and submit the pre-loan application form to the bank before bidding. The bank will decide whether to approve the loan and the corresponding amount for you based on your information and the circumstances of the foreclosure. If you are successful in the auction, you will need to pay the down payment to the court-designated collection account within the specified period (usually 7-10 working days) and sign a formal loan application and contract.

After receiving the letter of guarantee issued by the guarantee company, the bank will release the loan amount to the court account and complete the full payment. Finally, you will also need to cooperate with the court to complete the transfer and mortgage registration of the property before you can officially become the owner of the home. This is the basic process of foreclosure mortgage, I hope it will be helpful to you.

If you have any other questions, please feel free to ask me. (▽

Dear, it is possible to borrow from the bank for foreclosure houses, but you should be prepared in advance. Generally speaking, the loan of foreclosure is divided into two aspects, one is to look at your personal loan qualification, and the other is to argue fiercely about the loan qualification of the auction. You need to prepare your ID card, household registration book, marriage certificate, income certificate, bank statement, credit report and other materials, and submit the pre-loan application form to the bank before bidding.

The bank will decide whether to approve the loan and the corresponding amount for you based on your information and the circumstances of the foreclosure. If you are successful in the auction, you will need to pay the down payment to the court-designated collection account within the specified period (usually 7-10 working days) and sign a formal loan application and contract. After receiving the letter of guarantee issued by the guarantee company, the bank will transfer the loan amount to the court account and complete the payment.

Finally, you will also need to cooperate with the court to complete the transfer and mortgage registration of the property before you can officially become the owner of the home. This is the basic process of foreclosure mortgage loans, I hope it will be helpful to you. If you have any other questions, please feel free to ask me.

Dear or Sakura, you can take out a loan after the purchase, but you can't apply for a mortgage loan from the bank until the real estate certificate is completed. In this way, you can pay off your previous borrowing and reduce the burden. However, you should note that the interest rate of foreclosure loans is generally higher than that of ordinary second-hand home loans, and there is also a guarantee fee.

Therefore, you should choose the appropriate loan method according to your actual situation. 

Auction houses are usually not allowed to make loans, generally require bidders to pay the full amount within a week after the auction is successful, but if the personal funds are insufficient, then you can borrow money in advance and transfer the auction money to the court within the time specified by the court, after the real estate certificate is completed, you can take the real estate certificate as collateral, apply to the bank for a mortgage loan for the sale of the house, and after the loan is approved, you can pay off the previous loan.