Can mortgage credit information be queried online?

Mortgage credit information cannot be queried online. Usually, when buying a house with a loan, the borrower needs to check with the credit information center with his ID card and print the personal credit information records in the past two years. Although you can check the credit information online, you still need to go to the credit center to print it, and the online inquiry is a short version, not a detailed version, so you can't use online inquiry.

Does the number of credit inquiries affect mortgage approval?

Have an impact. Credit inquiry can't be more than 5 times a month, otherwise it may affect the approval of loans such as mortgages. A good credit record is a prerequisite for applying for a loan. Different banks and different loan types have different credit requirements. Generally speaking, car payment will require more than three credit ratings, while credit loans will require more than two credit ratings. It is difficult for borrowers with serious overdue credit information to get loans. Appearing in the blacklist of credit information shows that your credit is bankrupt and the bank is afraid to lend you money.

What is "difficult to ask"? Hard inquiry includes: credit card approval, loan approval and guarantee qualification examination. Too many records of this kind of inquiry will have a bad influence. What behaviors will lead to poor credit reporting: "three consecutive times and six consecutive times" means that the lender is overdue for three consecutive months or accumulated six times in two years. Congratulations on reaching this standard. You have been listed on the list of bad credit information by the bank. This list will follow you for 3-7 years, during which your loan application will be affected. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly.

"Three consecutive years, six consecutive years" is mainly for personal loans, generally excluding XYK period. Among them, "Lian San" is worse than "Liu Lei" and belongs to malignant arrears. Banks put such people on the dangerous list, and basically there is little chance of success in applying for a loan again.