Can I get a loan to buy a house with a personal credit score of 80?

Yes. Credit score refers to a credit tool created by rating agencies to quantify a borrower's personal credit situation. A score of 80 or above can be used to buy a house with a loan. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned.

Can I get a loan with a credit score of 65?

A credit score of 65 is basically the most basic score. You can get a loan according to the bank's regulations, but the amount will not be very high. According to credit card standards, the limit is between 10,000 yuan and 15,000 yuan.

The basic score of each person (white household) in the credit information system is 65 points. This is your normal "blood volume". Every credit inquiry will be "-5 points". People will say that you can lose 13 times! If you do this, your credit report will be ruined. The lower your credit score is and the further it is from the 60-point limit, the more likely you are to be rejected. The more inquiries you make, the more damage you will do to your credit information. Of course, this point deduction system is not irreversible. The cycle is 6 months to restore 5 points.

Which institutions and platforms will leave inquiry records? 1. When applying for a credit card, the bank will leave inquiry records in the credit information; 2. Online loan platforms will also leave records in the credit information when checking personal credit information; 3. Other institutions that require credit. For example, if you apply for a credit card and it is in the review stage, and you submit a credit card application from another bank again, then the institution that inquires later will be able to see the previous inquiry records. Frequent applications like this are easy to be rejected, and may be misjudged as financial constraints, etc. If you are not careful, you may pass by the bank's high-quality customers.

According to the concept of the People's Bank of China, overdue refers to the record that your payment has not been repaid in accordance with the contract within the specified time. Because the reporting time of each bank is one month later, if you do not repay before the due date, it is considered as expected by the bank, but your credit report will not be affected, and there will be late fees and interest. But if you fail to repay the last cycle's payment before the next bill date, your credit score will be affected! Please pay special attention to the fact that the billing date is the date when you settle the bill, and the repayment arrival date is the time when the repayment needs to be received. On the central bank's overdue mark, 1-30 days is marked as 1; 31-60 days is marked as 2; and so on... 180 days is marked as 6. There will be no evaluation of "good or bad" or "good or evil". Numbers The impact of labeling will vary from bank to bank.

Can I get a loan with a credit score of 79?

With no overdue record and no bad credit before, your credit score means you can get a loan.

1. There are several types of credit rating: 1. Credit rating AAA: For users with a comprehensive credit score of 90 or above, the loan credit limit for users of this level is generally 600,000;

2. Credit rating AA: For users with a comprehensive credit score between 80 and 89, the loan credit limit for users at this level is generally 100,000;

3. Credit rating A Level: The user's comprehensive credit score is between 70 and 79 points. The loan credit limit for this level of user is generally 50,000;

4. Credit BBB level: The user's comprehensive credit score is between 60 and 69 points. time, the loan credit limit for users of this level is generally 10,000;

5. Credit rating BB: For users with a comprehensive credit score between 50 and 59 points, the loan credit limit for users of this level is generally 5,000 ;

6. Credit rating B: If the user's comprehensive credit score is between 40 and 49 points, the loan credit limit for users of this level is generally 3,000;

7. Credit rating CCC level;

8. Credit rating CC;

9. Credit rating C.

Credit rating A, AA and AAA are high-quality customers; credit rating B, BB and BBB are trustworthy customers; credit rating C, CC and CCC are dangerous customers.

2. The impact of bad credit reporting

1. Bad credit reporting will affect loans. Serious banks will no longer lend money and credit cards will not be issued;

p>

2. A poor credit report will affect travel, and some means of transportation such as trains and airplanes cannot be used;

3. A poor credit report will affect employment. Some employers will conduct investigations before employment. If you have bad credit, you won't be able to get a job;

4. Bad credit will also affect the family, such as your spouse being unable to get a loan, your children's study and employment, etc.

3. What kind of credit report cannot be used for loans:

1. The credit report has overdue records, such as overdue credit cards, overdue bank loans, overdue online loans, etc.

2. The credit report has been overdue for three consecutive months, and there have been more than six overdue records within two years.

3. If you make too many credit inquiries, the bank will think that you often apply for online loans and have not passed the review.

4. You have spent a lot of time on your credit report. You have applied for many credit cards, online loans, etc. If there are many records on your credit report, the bank will think that you are living on loans.

When applying for a personal loan, the lending bank will comprehensively refer to the applicant's credit record, not just for a certain period of time. If you plan to apply for a personal loan from a bank, whether you can pass the review will be comprehensively assessed based on the type of business you are applying for, personal solvency, credit status and other factors, and will only be determined after approval by the handling outlet.

Can I get a loan with a credit score of 58?

Can I get a loan with a credit score of 58? You can still apply for a loan if you have a credit score of 58, but the probability of a successful loan is relatively low. A score of 58 on the credit report indicates a very high number of checks. Banks will rate this type of credit as high risk, with weak repayment ability and excessive consumption, so it is difficult to get a loan.

That’s it for the introduction of what credit score you need to get a loan.