How to check your credit information before buying a house?

First, how to check your credit information before buying a house?

1. Credit information can be inquired through the website of Credit Information Center of China People's Bank or the bank self-service inquiry machine. Generally speaking, the web version of credit information is a simple version. If you find that your credit is overdue, you can go to the People's Bank for detailed records.

2. Legal basis: Article 7 of the Measures for the Administration of Commercial Housing Sales.

The sale of commercial housing shall meet the following conditions:

(1) A real estate development enterprise that sells commercial housing now shall have the Business License of Enterprise as a Legal Person and the Qualification Certificate of Real Estate Development Enterprise.

Obtaining a land use right certificate or a land use approval document;

(3) Holding a construction project planning permit and a construction permit.

(4) It has passed the completion acceptance;

(five) the demolition and resettlement has been implemented.

(six) water supply, power supply, heating, gas, communications and other supporting infrastructure have delivery conditions, other supporting infrastructure and public facilities have delivery conditions or have determined the construction progress and delivery date;

(7) The property management plan has been implemented.

2. What is the process of eliminating the blacklist of credit information?

The credit blacklist deletion process is as follows:

1, repayment;

2. Get the settlement certificate issued by the bank;

3. Attach historical repayment details when refinancing;

4. Attach a written statement to explain or clarify the mistakes in the details.