If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention

If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention to credit problems, repay your loans in a timely manner, and do not become a credit blacklist. 2. Small loans: With the development of the Internet and big data, many people around you have begun to borrow money online. Some are turning around funds to do business, and some are using loans to support loans. Although these people have good credit scores, when you apply for a home mortgage loan at a bank, the bank will require you to pay off the small loan in advance. Therefore, before buying a house, you should promptly and accurately evaluate your debt ratio, unless your income can fully support microfinance and housing loans. But according to experience, when actually applying for a loan, 95% of banks will require you to repay the small loan. After your mortgage is approved, you can apply for a small loan. Therefore, you must ask relevant questions before buying a house, because there are many cases of people checking out of a house because they cannot pay off the small loan. . 3. Consumer loans: refers to some small loans, such as computer installments, mobile phone installments, etc. No matter the amount, they must be paid off before they can apply for a mortgage, especially for single customers. 4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a home loan. If you already have a car loan, it will be difficult to apply for a home loan. 5. Whether there is low-rent affordable housing or special welfare housing for a certain period of time: Before purchasing a house, you should determine whether there is low-rent affordable housing in the name of your family members. Before buying a house, ask your family if there is such a house. If this is the case, you'd better go to the housing authority in advance to inquire whether you need to cancel or whether it can be transferred. Then decide whether to buy a house. Don’t be in a dilemma after paying money but not being able to check out. A friend often borrows money, but always repays it. Such a friend can be contacted. It may be that the other party is really in difficulty and the conditions are not particularly good. He can trust you when he borrows money from you. Returning money to you shows that he has a good reputation. A principled person. However, for loans between friends or colleagues, it is best to fix and preserve the evidence in the form of a written IOU. Once a dispute occurs, a written IOU can best protect the rights and interests of the lender. If there is no written IOU, you should pay attention to collecting mobile phone text messages and other other evidence in a timely manner to safeguard your legitimate rights and interests. Specific precautions are as follows: Pay attention to the creditworthiness and repayment ability of the borrower. First, you must look at the other party's fixed assets, economic income, etc. to determine whether it has the ability to repay; secondly, you must look at how the other party is usually and how good its credit is. If the borrower has had any past The "bad deeds" of "borrowing without repaying" must be resolutely rejected. Don't blindly borrow money because of face, flattery, or small favors. Otherwise, you will be the one who suffers the big loss in the end. When borrowing money with a loan contract or IOU, do not take into account factors such as favors or relationships. Be sure to ask the borrower to write down the contract or IOU in person, and specify the borrower, loan amount, purpose, interest rate, repayment time, etc., and sign and pledge it. , each party will keep one copy and keep it properly. If something goes wrong in the end, it will be you who loses, and it will also affect the relationship between you, so the gain outweighs the loss.