How does the annual fee in 40 yuan become an obstacle to housing loans?

Mr. Wu, who lives in Wujiashan, took a fancy to a second-hand house, signed an intermediary sales contract with the intermediary, and paid a deposit of 50,000 yuan and an intermediary fee. However, when Mr. Wu applied for a bank loan, he was told that there was a credit card in his name, which had not been used since it was opened, which caused the annual fee to be overdue in 40 yuan, which affected his personal credit investigation and blocked the house purchase loan. Mr. Wu called the Changjiang Daily news hotline and asked if there was a solution.

Activation is useless, or is it overdue?

In the morning, Changjiang Daily reporter met Mr. Wu in Wujiashan. He told reporters that because the loan was stuck, the optimistic house could not be bought. He is worried that he will not only lose 50 thousand yuan deposit and agency fee, but also bear the loss of breach of contract.

Mr Wu remembered that this was a Great Wall Traffic Control Card of China Bank. "It was required by the traffic control department many years ago and was specially used to pay fines. Maybe I activated this credit card and I haven't used it since. " Mr. Wu said that he didn't know that there was an overdue credit card in his name until he bought a house loan.

Mr. Wu went to a citizen's home to print out a personal credit report, which showed that the credit card default record was only 1, and the overdue 40 yuan annual fee had become a "bad debt". It is this credit card that has become a "roadblock" for Mr. Wu to purchase a house loan.

Non-malicious overdraft, no loan.

The reporter and Mr. Wu came to the bank applying for a loan. According to the staff, there are "bad debts" on Mr. Wu's credit card account. According to the regulations, the bank cannot handle loans for him. "Even if he pays off the overdue annual fee, the bad debt record will remain on it. In this case, you can only find a credit card bank to see if you can help him cancel his account. "

Mr. Wu told reporters that he had been to the Bank Card Department of Hubei Branch of Bank of China a few days ago. After the staff understood the situation, they issued a briefing for him. The reporter saw that this manual reads: Mr. Wu's credit report shows that there is overdue arrears. After investigation, the customer owed money because the annual fee was overdue, which was a non-malicious overdraft. It's all paid off.

Since it has been explained that it is a malicious overdraft, why can't the loan be repaid? Yesterday afternoon, Changjiang Daily reporter and Mr. Wu came to the Bank Card Department of China Bank Hubei Branch. According to the staff, it's not that Mr. Wu Can can't close the account for him, but according to the relevant regulations, after the account balance is cleared, the bank's system will automatically update after collecting relevant information, and it will take 45 days for the account to be closed according to the process.

The staff introduced that the Great Wall Traffic Management Card was a credit card jointly launched by China Bank and the traffic management department in 2005. At that time, the traffic control department required all drivers to apply for the Great Wall Traffic Control Card and pay traffic violation fines. Due to insufficient publicity, the card did not work. At the beginning, the annual fee of the card was 60 yuan, but the annual fee was cancelled, and the year was 20 1 1. The Head Office stipulated that the annual fee should be 20 yuan.

"Banks generally don't issue instructions for non-malicious overdrafts, but the Great Wall Traffic Management Card is quite special. Later, it was stipulated that such instructions could be issued for this part of the traffic management customers. " The staff said that they would speed up the progress as soon as possible and handle the relevant cancellation procedures for Mr. Wu.

"Non-malicious proof of arrears" is difficult to open, and individuals should consciously check their credit records.

The reporter consulted relevant people in the banking industry, and the other party said that if the credit card is not activated, there will be no annual fee. He reminded that individuals should consciously check the credit records so as not to affect the loan business.

The staff member said that some loan businesses can only be handled if they can provide "non-malicious proof of arrears", but banks generally do not issue "non-malicious proof of arrears". As for why you can't provide a "non-malicious debt certificate", bankers said: "We really can't judge whether you owe money maliciously, and we can't just listen to one side of the story. This is unclear. "

The credit card has an overdue record. Is there any way to eliminate the influence? In this regard, bankers told reporters that the "Regulations on the Administration of Credit Information Industry" promulgated on 20 13 stipulates that bad records such as overdue credit cards will be cleared automatically after five years and will not affect their lives.

And if it is overdue, but in a hurry to borrow money, you can also try to find more banks to consult, because at present, the credit scoring standards of various banks are different, and the criteria for judging whether customers are "bad credit customers" are also different. Generally speaking, within two years, if the repayment is not timely for three consecutive months, or the repayment is overdue for six times, the bank will face the risk of refusing to lend.

(The above answers were published on 20 16- 12-30. Please refer to the current actual purchase policy. )

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