For friends who want to get mortgages, your credit records are the key to bank review. Whether it is a commercial loan or a public-fund loan, the bank carefully looks at your letter of credit. If there's a stain on your letter, the mortgage application may be rejected by the bank. So, what kind of letter would it be? Next we'll read it for you。

What kind of letters affect mortgages? These things have implications

First, if your overdue account is not zero. In the personal correspondence records, if you were on time to repay your loan, that figure would not exist. But if you've had a overdue record, this is what makes the “overdues” high. The larger the number, the worse your overdue situation will be, the more the bank will hesitate to give you a loan。

Second, you have a loan overdue for over 90 days. Although some of the overdues were unintentional, they were more than 90 days overdue and, in the eyes of the banks, had become serious. When you think about it, the bank may be holding your wallet tight when it gives you a loan。

Again, your inquisition records are more frequent. If you are consulted by many different lending institutions in a short period of time, banks may judge that your current economic situation is not good and that there may be significant repayment pressures in the future. So don't let too many loan agencies check your letters before they apply for a mortgage。

And finally, if you've had a lot of borrowings recently. You need to prepare a part of the down payment before you're ready to buy a house. If, at this point in time, there are many borrowings in your letters, the bank may suspect that you borrowed money online to make the first payment, a situation that may also affect your mortgage application。

Therefore, before applying for a mortgage, it is necessary to check its own letter of request to see whether the above problems exist, to account for its own mortgage and to account for its own loans。