"After May, we do not talk about house price, talk about your loan qualification! Talk about your loan qualification!!
These days, a large number of buy estate adviser in friend circle and intermediary brush screen, mark matchs a piece " individual of new 2019 edition signs a letter " check scheme, let many people that buy a house confused.
Original, chinese people bank asks for letter center to try the new edition individual that move to ask for a letter to report, predict to will go up formally in May line.
The individual of new edition asks for letter report to want to go up line, why can you cause so large reaction?
Does new edition individual ask for letter report to be sent to ins and outs why to plant degree? What kind of influence can you bring?
NO. 1 ｜ one
Compare at old edition, be about to go up formally the new edition of the line asks for letter report to have why to differ, big Mr V wants to use 3 " more " the word will describe: More meticulous, more comprehensive, more essence of life is accurate.
? Will look first new old ask for a letter what to differ:
Look from above information, new edition asks for a letter to buy a house to loan accuse more strict, to breaking one's promise person, more all-around the BUG that blocks their exploit an advantage up dead.
The about individual past credence information data system that the report of the individual that sign a letter basically points to to Chinese people bank asks for letter center to record. This system that sign a letter put forward 2002, begin to build from 2004.
Report of letter of individual ask forring includes an individual basic message (wait like the identity, spouse, residence, profession) , credit deals (wait like credit card, loan) reach inquiry to record (include orgnaization and individual) , it is orgnaization of of all kinds credit undertakes " client picture " crucial essential factor.
? To credit person, the individual asks for a letter to having crucial effect.
When because become,application borrows money, no matter be the room is borrowed, the car is borrowed or consumption borrows money, financial orgnaization great majority can examine an individual to ask for a letter to report first.
Ask for letter report to once keep negative record,go up, may obtain to credit batch cause an effect. Right the person that buy a house, it is to concern what housing borrows money to obtain more batch extend.
Accordingly, want to mortgage the person that buys a house, should more the attention maintains individual credit. Sign the person with nice letter, can win more leasehold limits of authority, can not move a step conversely.
NO. 2 ｜ two
Big data times, all information appear undisguisedly.
The individual signs a letter, buy room person especially to the citizen and character, it is far more than to the influence of the life these.
False divorce buys a room to be blocked up enjoy a flatlet treatment no longer
The letter is signed in old edition in, both sides of husband and wife is collective reimbursement, the man advocate borrow, letter of woman ask forring is not reflected indebted. This brought up the huge hole that buy a house, the husband and wife that divorces to buy room holiday is absent a few.
Through " false divorce " enjoy " first head borrow " qualification. This also makes the investment objective, instrument that improves a group to buy a house. In recent years, the promotion that the divorce leads, concern not less with tall house price.
And new edition signs a letter, "The divorce buys a house afternoon in the morning " when random elephant will become the past.
As collective borrower, letter of both sides ask forring all is reflected indebted, this means both sides of husband and wife to had bought a house, calculate a divorce, still withheld the testimony of blame head flatlet.
That is to say, the divorce is buying a house, according to " identify a room again borrow " principle, it is 2 at least, obtain no longer a flatlet, low head pay loan.
Fixed number of year of exceed the time limit " 2 change 5 " the loan that buy a house is obtained hard batch
Old edition asks for the reimbursement record that believes a report to maintain 2 years, bad news (for example exceed the time limit, bad debt) 5 years are withheld since the day of break down oneself.
Old edition signs letter report, in produce serious violate a treaty to break one's promise behavior, still can use annul door the method will ask for a letter to report for the individual " wash white " .
But new edition signs a letter in try out report, lengthen clock of 2 years to 5 years, the reimbursement information with detailed notes (even if is sold door also detailed reimbursement is recorded) , information of exceed the time limit.
Even if of that is to say is to sell card, still also have reimbursement record.
To buying a house person, 2 have bad news not to affect loan before New Year before, new edition has bad news to cannot borrow money the likelihood inside 5 years.
Change often mobile phone number, also can affect buy a house
Report of new edition try out increases reveal " 5 times mobile phone number replaces news recently " .
Mobile phone date already asked real name is made in the round, so mobile phone date can be linked together cheek by jowl with the behavior that sign a letter.
Change the person of date often, let a person easily arise " the life is queasy " , " escape debt is outer " , " chop and change " wait for judgement.
For good credit record, should avoid formula of covet petty gain and change often mobile phone number.
Telephone bill of coal of water and electricity cannot be defaulted, one place breaks his promise to suffer everywhere be restricted
New edition report increases reveal " nearly two years telephone bill of coal of water and electricity owes capture circumstance " .
"Because telephone bill of coal of water and electricity is penny with respect to ignore, pull 9 months not anxious also. " the person that there are such ideas in the life is not little.
But, individual life record will be brought into to impose letter system, waited for even charge of electricity of mobile phone telephone bill, water cost of daily life pay to also cannot be defaulted easily now.
A person that often defaults water charge of electricity may stay in the report " break one's promise " in label, true it may be said is " one place breaks his promise, suffer everywhere be restricted " .
Increase a month to all should return amount, tear open east the wall fills on the west the wall is unworkable
The time that believes a report is collected in old edition, if had behavior of serious exceed the time limit or license,tear open in order to use east the wall fills on the west the method of the wall.
But new edition asks for a letter to will be added newly " reimbursement amount " , increase reveal " month of half an year all should return amount recently " , the individual is indebted circumstance be clear at a glance.
Nowadays, the person that relies on to handle product of orgnaization of much home credit is increasing, use reimbursement day to differ, tear open east the wall fills on the west wall, with " 5000 yuan income " over- " 50 thousand yuan life " , once time was not caught,allow, will face financial collapse dish.
But in ask for letter report newly to fall, "Raise card in order to get stuck " , violate compasses cover will be issued at sunshine by exposure now, the behavior that fry a room also certainly will is affected.
Individual information more refine, bring into more and public information
The letter is signed in new edition in, individual information is in thoroughly by the record book, include letterhead of information of information of record of formal schooling, obtain employment circumstance, email, communication to wait.
This more substantial than resume individual information reports, to handling loan character, client later period offers false data to be identified more easily to come out, for instance the profession is mixed of income match degree, open false income proof, probable meeting is asked for to believe a report to expose.
How Cha Zhengxin?
Want to inquire the individual imposes letter condition at present, have two kinds of kind:
? The first kind is spot inquiry.
The dweller can head for the Central Bank ask for the center that believe cent or appoint a branch of each district, undertake bar inquiry or self-help inquire.
? The 2nd kind is to undertake Internet inquires.
Through the government the center that sign a letter submits inquiry application, be in can obtain credit report the following day. Land website of government of the center that sign a letter (Www.pbccrc.org.cn) can apply for.
Sign a letter, it is to accompany everybody of lifetime " economic Id " . In modern society, it is to buy a room to still buy a car to be able to be involved no matter sign a letter, sign a letter bad to can not move a step.
Hope everybody takes his record that sign a letter seriously, not when urgent need money, discover credit is prodigal and excessive just regret having done sth.
(the specific standard that sign a letter, allow with formal motion act)
