Credit card and loan have the word of exceed the time limit, can produce an effect to buying a house. Worst circumstance is direct refus borrows the bank, that says to have exceed the time limit, don't have a law to buy a room to buy a car? The answer is negative, say with everybody today, credit card and loan have exceed the time limit, how can you still buy a room to buy a car?
According to our country ask for a letter to draft regulation of the regulation that believe industry, if have serious bad record, cannot borrow money and credit card handles so inside 5 years, after must be being paid off, after waiting 5 years record of exceed the time limit deletes ability to be able to borrow money normally, the orgnaization that sign a letter is undesirable to the individual the save time limit of credit is that daystart calculates the end day that produces exceed the time limit from you, exceed general metropolis of 5 years to delete, of course this is to pay off changed condition to fall, you are not returned his be in all the time. When you are conducting new business, what relevant section considers above all is the near future 1 record to the consumption inside 3 years and reimbursement, control one year especially, of course, different bank examines a standard to the individual is not just the same. The bank also can pay close attention to the credence of near future individual to record in real time, will decide otherwise wants to be put to you according to this circumstance borrow. The credit card with very serious if it were not for or exceed the time limit of bank loan ill will, organic still meeting applies for loan.
Measure is as follows:
One, accept a room to lend high interest rate
If credit card exceed the time limit is 1-2 merely second, and every time duration is very short, and the interest rate that is willing to raise a room to borrow, resemble this kind of circumstance, the bank won't reject you directly commonly. Different house property building dish, the bank room that he cooperates lends interest rate different, the person that buy a house can ask a few banks more, of course interest rate is higher, can from the choice intermediate an interest rate is compared low went.
2, the reimbursement when applying for a look to the bank
Point to the person that hold card to did not exceed the 3 reimbursement of the day after day of reimbursement of credit card at latest passed, the bank also is maintained to be returned on time, not the accountant believes exceed the time limit into individual ask forring, often produce this kind of thing, because the person that hold card forgets reimbursement, exceed this time limit, call to the bank the reimbursement when application is allowed can. Remember must seasonable, exceed 3 days of time limit, bothered. Attention, this kind of practice is to do not have record of exceed the time limit, but affirmative meeting has a few interest.
3, refer " be not proof of baleful exceed the time limit "
If hold calorie of person to be after the time of the extend a time limit when the bank is allowed reimbursement, and inside this following limits,
1, exceed the time limit does not exceed 90 days of; 2 continuously, inside two years, exceed the time limit does not exceed; 3, exceed the time limit 6 times total amount is not large.
Answer to be paid off instantly, hand in next " be not baleful exceed the time limit to prove " to the bank, apply for record of cancel exceed the time limit, also be feasible, premise is amount cannot too big. This just tries application, if be no good really, the proposal seeks strong security, organic meeting passes examine and verify.
Still a bit want special those who remind everybody is, after reimbursement of exceed the time limit of credit card happening, had produced record of exceed the time limit, the practice of a lot of people is, pay off this debt entirely, go to a bank cancelling immediately next, to the bank one kind very abhor the appearance of this credit card. This method dispute often cannot take, right way should be pay off debt first, insist to use this piece of credit card again at least next, use normally, do not want any exceed the time limit, with 1 arrive 2 years, on time of reimbursement, with the good record that sign a letter, will enclothe the record previously, of such the oldest rate reduced the effect that exceed the time limit brings before.
4, after overpay head pays or you pay off this debt, there perhaps is big bank savings in the bank.
Of course this are not so easy implementation, because have money general you won't exceed the time limit. But this method is in charge of really with, you retain trait, in borrow brushstroke bigger, after was being borrowed, come out money reassume not to go, at least OK and certain level settles your current difficult position.
5, seek other blame bank namely kind loan orgnaization
Be borrowed e.g. the net or small lend a company. The action of credit card exceed the time limit that this kind of circumstance is you is very much, exceed 3 times continuously inside two years namely, or accumulative total exceeds 6 times, should explain above all successive the means of reimbursement of 3 exceed the time limit what.
E.g. deadline of brushstroke capital reimbursement it is a month, you had achieved 3 consecutive months to was not paid off. Accumulative total 6, it is exceed the time limit had been paid off, but you produce exceed the time limit again, so successive 6.
This kind of serious exceed the time limit, do not have particularly efficient way. Can search only the net is borrowed or the line falls small borrow an orgnaization to borrow money, this kind of interest is very high, force is urged close to often see, everybody should know, so this method does not suggest everybody goes doing.
6, after paying off, await 5 years
Generally speaking our bad record that sign a letter believes a center in Central Bank ask forring, retain time limit 5 years, after paying off 5 years, it is met delete automatically, deleted won't buy car house to loan of course influential.
Now is the times of a high spending, all sorts of advertisement fly all over the sky namely, stimulate the consumptive appetite of everybody. Be in economy is at present low fan, the case with wage not high level, below, to satisfy the desire of actuation consumption, can rely on to overdraw only credit card maintains bread, because the job is busy,often also having a friend of course is, forgot the exceed the time limit of blame ill will that reimbursement day causes. Remind everybody finally, must note the use case of oneself credit card, maintain on time reimbursement, not clear still, can use Zhang sheet in installment, scarcely wants exceed the time limit, once exceed the time limit, even if is very small exceed the time limit, processing rises great take time is arduous, return cost a lot.
Good, share here with everybody today. If still have other question, the welcome leaves a message discuss!
