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<div class="container"> <div class=" row"> <div class="col-md-17 bb" style="margin-top:20px;"> <div class="work-details-content" > <div class=" "> <div class=""> <div class="work-show-box" style="margin-top:0px; padding:10px"> <div class="wangEditor-container" style="border:none;"> <div class="wangEditor-txt" style="padding:0px;"> <p style="text-align: center;"><img src="http://www.hongjibp.com/data/upload/img/19944325971.jpg" title="房贷征信夫妻有一方逾期" alt="房贷征信夫妻有一方逾期"/></p>已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放贷时4102会更加谨慎。 不过银行审贷时更看重贷款人信用记录，若贷款人配偶征信记录不佳，银行审贷时会更加谨慎，但并不意味肯定不放贷。若逾期行为非有意，可向银行说明情况，出具相关“无意逾期”1653证明，这种情况通常不会拒绝放贷。从逾期次数看，回银行对于办理贷款可能执行的标准有：减低贷款成数，提高贷款利率。如果是首套住房贷款的情况下，很可能不会享受贷款利率优惠。但若夫妻一方两年内连续三次逾期还款，答或累计六次逾期还款，贷款会被拒绝。 <h2><a href="https://www.hongjibp.com/laws-538109.html" title="房贷夫妻双方一方有逾期(夫妻一方房贷逾期对另一方有影响吗)">房贷夫妻双方一方有逾期(夫妻一方房贷逾期对另一方有影响吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放贷时4102会更加谨慎。 不过银行审贷时更看重贷款人信用记录，若贷款人配偶征信记录不佳，银行审贷时会更加谨慎，但并不意味肯定不放贷。若逾期行为非有意，可向银行说明情况，出具相关无意逾期1653证明，这种情况通常不会拒绝放贷。从逾期次数看，回银行对于办理贷款可能......</p> <h2><a href="https://www.hongjibp.com/laws-535602.html" title="夫妻房贷一方征信有逾期(夫妻房贷一方征信有逾期)">夫妻房贷一方征信有逾期(夫妻房贷一方征信有逾期) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">信用卡逾期解决方案： 1、如果持卡人忘记还款，发现逾期后，一定要尽快还款，最好全额还款。给银行信用卡中心打电话，声明非恶意欠款。逾期时间短的话，银行可能不计不良记录； 2、信用卡逾期由于失业、疾病等原因无力偿还时，在还款期之前，持卡人应主动和银行信用卡中心取得联系，说明自己的经济状况，声明自己非恶意欠款，申请延期还款或者分期还款； 3、持卡人主动申请延期还款，银行往往会同意延期，银行与持卡人商定双方能接受的还款计划。这样银行不会记不良记录，但是申请延期后一定要按时还款； 4、信用卡还款信息央行征......</p> <h2><a href="https://www.hongjibp.com/laws-548783.html" title="房贷夫妻一方征信有逾期(夫妻房贷逾期一次会双方征信都有吗)">房贷夫妻一方征信有逾期(夫妻房贷逾期一次会双方征信都有吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放贷时4102会更加谨慎。 不过银行审贷时更看重贷款人信用记录，若贷款人配偶征信记录不佳，银行审贷时会更加谨慎，但并不意味肯定不放贷。若逾期行为非有意，可向银行说明情况，出具相关无意逾期1653证明，这种情况通常不会拒绝放贷。从逾期次数看，回银行对于办理贷款可能......</p> <h2><a href="https://www.hongjibp.com/laws-533946.html" title="夫妻办理房贷一方有逾期(夫妻办理房贷一方有逾期)">夫妻办理房贷一方有逾期(夫妻办理房贷一方有逾期) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">夫妻一方有信用逾期会对贷款买房产生影响； 申请房贷都是夫妻双方共同申请，所以银行受理申请后，也会查看夫妻双方的信用情况，若任何一方有逾期情况都将影响房贷申请。每家银行的对于征信的要求不相同，若借款人逾期情况不是很严重，那么银行会酌情考虑为其放款。 贷款买房需要的条件： 买新房： 身份证、户口本、婚姻证明、收入证明、银行流水、购房合同（已婚提供夫妻双方资料） 条件：只要有稳定的收入和银行流水，流水只要每月都有就可以了，收入证明上的月收入需要是月供的2倍，比如月供2000元，......</p> <p style="text-align: center;"><img src="https://img.hongjibp.com/updata/images/房贷征信夫妻有一方逾期.jpg" title="房贷征信夫妻有一方逾期" alt="房贷征信夫妻有一方逾期"></p> </div> </div> </div> </div> </div> </div> <hr> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1316792.html" title="夫妻有一方信用卡逾期影响房贷吗-夫妻一方房贷逾期对另一方有影响吗">夫妻有一方信用卡逾期影响房贷吗-夫妻一方房贷逾期对另一方有影响吗</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-07-25 15:33</span> <p class="xgzsms">（招商银行）贷款办理会受到征信影响。另外，审核是否能够通过，是结合您申请的业务品种、个人偿付能力、信用状况等因素进行综合评定的，需要经办网点审批后才能确定。建议您提供相关申请材料，联系当地招行网点的个贷部门进一步核实。夫妻中一人信用卡逾期，...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-538012.html" title="办理房贷夫妻一方有逾期(贷款夫妻一方有逾期)">办理房贷夫妻一方有逾期(贷款夫妻一方有逾期)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 00:11</span> <p class="xgzsms">已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1041814.html" title="上海夫妻一方信用逾期离婚可以办房贷(上海房贷夫妻一方征信有问题)">上海夫妻一方信用逾期离婚可以办房贷(上海房贷夫妻一方征信有问题)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-05-13 17:34</span> <p class="xgzsms">要看另一方的逾期情况来定。 向银行申请贷款，银行会审核夫妻双方的征信，如果一方有问题的话是会有影响的，不过逾期不严重的话就没什么关系，银行的要求是两年内不能连续三次累计六次逾期，如果没有超过的话还是可以申请的。夫妻一方有信用不良记录，离婚后...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-535060.html" title="房贷申请夫妻一方有逾期(夫妻一方逾期另一方能贷款买房吗)">房贷申请夫妻一方有逾期(夫妻一方逾期另一方能贷款买房吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 12:31</span> <p class="xgzsms">已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-542868.html" title="房贷夫妻一方有征信逾期(夫妻一方征信有逾期可以贷款买房吗)">房贷夫妻一方有征信逾期(夫妻一方征信有逾期可以贷款买房吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-03-29 17:00</span> <p class="xgzsms">1、近期发生的征信问题 如果夫妻一方是在办理贷款的近期才出现的征信问题，那么这边是建议大家尽快去把欠款给偿还了，同时与违约的银行或者其它金融机构协商，询问银行是否可以在还清违约金额后，撤掉信用违约记录。 2、以前的征信问题 如果个人的征信问...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-534083.html" title="夫妻一方有逾期影响房贷(夫妻一方逾期另一方能贷款买房吗)">夫妻一方有逾期影响房贷(夫妻一方逾期另一方能贷款买房吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 08:10</span> <p class="xgzsms">夫妻一方有信用逾期会对贷款买房产生影响； 申请房贷都是夫妻双方共同申请，所以银行受理申请后，也会查看夫妻双方的信用情况，若任何一方有逾期情况都将影响房贷申请。每家银行的对于征信的要求不相同，若借款人逾期情况不是很严重，那么银行会酌情...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1499295.html" title="夫妻一方信用卡逾期会影响房贷 夫妻双方有一方信用卡逾期会影响房贷吗">夫妻一方信用卡逾期会影响房贷 夫妻双方有一方信用卡逾期会影响房贷吗</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-09-18 10:10</span> <p class="xgzsms">（招商银行）贷款办理会受到征信影响。另外，审核是否能够通过，是结合您申请的业务品种、个人偿付能力、信用状况等因素进行综合评定的，需要经办网点审批后才能确定。建议您提供相关申请材料，联系当地招行网点的个贷部门进一步核实。夫妻中一人信用卡逾期，...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-555542.html" title="房贷夫妻有一方征信逾期">房贷夫妻有一方征信逾期</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-03-29 13:20</span> <p class="xgzsms">已婚人士办理贷款，银行查看征信记2113录是以以家庭为单位的。已婚，银行在审核时会对双方都进行审核，配偶一方的不良征信记录有可能会影响到另一方的房贷申请。即使以夫妻一方名5261义贷款买房，贷款人征信记录良好，若其配偶多次逾期还款，银行在放...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-531600.html" title="夫妻一方逾期状态房贷(夫妻买房一方有逾期可以吗)">夫妻一方逾期状态房贷(夫妻买房一方有逾期可以吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 01:38</span> <p class="xgzsms">夫妻一方有信用逾期会对贷款买房产生影响； 申请房贷都是夫妻双方共同申请，所以银行受理申请后，也会查看夫妻双方的信用情况，若任何一方有逾期情况都将影响房贷申请。每家银行的对于征信的要求不相同，若借款人逾期情况不是很严重，那么银行会酌情...</p></div> </ul> </div> </div> </div> <div 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