数据报告

注意！新版征信5月正式启用，对房贷影响重大

2019-03-21 09:02 乐有家乐有家研究中心

征信借贷

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<p><br/></p><section data-role="outer" label="Powered by 135editor.com" style="font-size: 16px;"><section class="_135editor" data-tools="135编辑器" data-id="94398" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section data-width="95%" style="margin: 20px auto; width: 95%; box-shadow: rgb(218, 218, 218) 0px 2px 10px 0px;"><section class="" style="background-image: url("https://mpt.135editor.com/mmbiz_png/yrYj3lfyTF9Mbmico9kJWcUyutXZrF6vy7nHibwlcAnCZKJhmbhdCDRn7Zs283b7RBePMAXHYHcuOHJxZyNKBCRQ/640?wx_fmt=png"); background-attachment: initial; background-size: 3em; background-origin: initial; background-clip: initial; background-position: 0% 0%; background-repeat: no-repeat;"><section class="" style="background-image: url("https://mpt.135editor.com/mmbiz_png/yrYj3lfyTF9Mbmico9kJWcUyutXZrF6vyHjtG8xibDRFgN6ecVg4ZumXtzhI3icq6rmN0RENxqMHib1bB0E2kTOnAA/640?wx_fmt=png"); background-attachment: initial; background-size: 3em; background-origin: initial; background-clip: initial; background-position: 100% 100%; background-repeat: no-repeat;"><section style="padding: 2.4em 1em;"><section data-autoskip="1" class="" style="font-size: 14px; letter-spacing: 1.5px; line-height: 1.75em;"><p style="min-height: 1em;">现代经济社会中，个人征信影响着我们全部的借贷活动，只要我们提前消费或者产生了借贷，征信系统将会收录我们的每一笔交易，方便银行和其他的金融机构查询。新版征信报告将于2019年5月正式面世，征信信息的时长及精细程度将进一步提升，能更加客观生动地描绘每个人的“征信画像”。</p><p style="min-height: 1em;">从具体时间安排来看，2018年11月至2019年4月为新版征信报告试运行阶段；2019年5月至2019年6月为新版征信报告查询切换阶段；2019年7月起，新版征信报告报数切换计划正式运行。那么新版的个人征信有哪些变化？对买房贷款又有什么影响呢？</p></section></section></section></section></section></section><section data-role="paragraph" class="" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><p style="min-height: 1em;"><br/></p></section><section class="_135editor" data-tools="135编辑器" data-id="94513" data-color="#ac1d10" data-custom="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="padding: 12px; text-align: center;"><section style="padding-right: 12px; padding-bottom: 4px; padding-left: 12px; display: inline-block; border-bottom: 2px solid rgb(172, 29, 16);"><section style="padding: 3px; border: 2px solid rgb(172, 29, 16); border-radius: 6px; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><section class="" data-brushtype="text" style="padding: 5px 1em; border-radius: 6px; border: 2px dashed rgb(172, 29, 16); letter-spacing: 1.5px; line-height: 1.75em; color: rgb(51, 51, 51); background: rgb(254, 254, 254);"><strong><span style="font-size: 15px;">新版征信七大变化</span></strong></section></section></section></section></section><section data-role="paragraph" class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><p style="min-height: 1em;"><br/></p></section><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" data-custom="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">1</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">夫妻共责</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信只主贷方体现负债。新版本的征信表示如果夫妻双方共同买房，作为共同的借款人，双方征信均体现负债。简单来说，夫妻一旦离婚，很难再去获得低首付的买房优惠。　</span></p><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">2</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">影响更久</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信报告的还款记录保持2年，不良信息（例如逾期、呆账等）自中止之日起保留5年；新版征信报告上还款记录时间延长至5年，记录详尽的还款信息（即便销户也有详尽还款记录）、逾期信息。征信有效期内的不良记录保持更久，对于申请房贷越有影响。</span></p><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">3</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">信息完善</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信对于手机号记录，只记录了最近一次业务系统上报的手机号；而新版除了将收录手机号提高到最近5次业务系统上报的手机号，还有信息更新日期、学历、就业、配偶、户籍等重要信息全面完善。</span></p><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">4</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">逾期还款合理化</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信只有还款状态，新版有还款状态+逾期状态+还款金额，也就是说明只要是在逾期状态，用户立马还上，央行还是会考虑用户的良好态度，给予一定的宽容。</span></p><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">5</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">大额信用卡体现负债</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信对车位贷款、装修贷款等实质为大额信用卡分期，征信仅体现信用卡，不体现分期金额。新版征信，则体现分期时间和分期金额，更加细化。即以前只体现名目，不体现负债，未来体现负债，对于申请房贷，需要更多流水来抵消负债。</span></p><section class="_135editor" data-tools="135编辑器" data-id="93591" data-color="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="text-align: center;"><section style="border: 1px solid rgb(162, 162, 162); border-radius: 20px; display: inline-block;"><section style="display: flex;"><section style="margin-left: -1px; width: 25px; height: 25px; border: 1px solid rgb(162, 162, 162); border-radius: 50%; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><p style="min-height: 1em;"><strong><span style="font-size: 14px;">6</span></strong></p></section><section style="padding-right: 10px; padding-left: 10px; color: rgb(63, 63, 63); letter-spacing: 1.5px;"><section class="" data-brushtype="text"><strong><span style="font-size: 14px;">记录细化</span></strong></section></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">旧版征信记录少量信息，房贷， 银行卡等。新版征信除借贷信息之外的更广阔信息纳入征信，如电信业务、自来水业务缴费情况。并且新版征信记录最近24个月的缴费状态，即使现在没欠费，但只要过去2年内出现过欠费也会被展示出来。另外还记录欠税、民事裁决、强制执行、行政处罚、低保救助、执业资格和行政奖励等信息。征信记录多样化，更多的个人工作生活记录被采纳。</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><br/></p><section class="_135editor" data-tools="135编辑器" data-id="94513" data-color="#ac1d10" data-custom="#ac1d10" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 25.6px; text-align: justify; white-space: normal; widows: 1; border: 0px none;"><section style="padding: 12px; text-align: center;"><section style="padding-right: 12px; padding-bottom: 4px; padding-left: 12px; display: inline-block; border-bottom: 2px solid rgb(172, 29, 16);"><section style="padding: 3px; border: 2px solid rgb(172, 29, 16); border-radius: 6px; color: rgb(255, 255, 255); background: rgb(172, 29, 16);"><section class="" data-brushtype="text" style="padding: 5px 1em; border-radius: 6px; border: 2px dashed rgb(172, 29, 16); letter-spacing: 1.5px; line-height: 1.75em; color: rgb(51, 51, 51); background: rgb(254, 254, 254);"><strong><span style="font-size: 15px;">如何查询个人征信</span></strong></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0em; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">最简单的方法就是使用个人信用报告自助查询机查询，一般情况下，在征信服务大厅会有个人信用报告自助查询机，只需要携带身份证就可以较快的打印出个人信用报告，比较方便。</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><strong><span style="font-size: 14px;">自助查询机查询操作流程如下：</span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px; color: rgb(0, 0, 0);"><strong>流程1、</strong></span><span style="font-size: 14px;">将个人有效身份证放置在征信记录自助查询机上的“二代身份证刷卡处”；</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0em; widows: 1; line-height: 1.75em;"><span style="font-size: 14px; color: rgb(0, 0, 0);"><strong>流程2、</strong></span><span style="font-size: 14px;">系统现场采集查询者的脸部图像，然后自动将“证件照片”与“现场照片”进行比对；</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px; color: rgb(0, 0, 0);"><strong>流程3、</strong></span><span style="font-size: 14px;">比对结果一致的，按页面提示输入查询人的手机号码，确认后点击同意按钮。</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px; color: rgb(0, 0, 0);"><strong>流程4、</strong></span><span style="font-size: 14px;">系统会自动打印出该查询者的个人信用报告。</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; text-align: justify; widows: 1; line-height: 1.75em;"><span style="font-size: 14px;">在没有这样的自助查询机服务前，要查询个人信用记录，一般是到柜台去查询，需要提供本人身份证原件及复印件，还要填写《个人信用报告查询表》。</span></p><p style="margin-top: 20px; margin-bottom: 20px; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; text-align: center; line-height: 1.75em;"><img class="" data-copyright="0" data-cropselx1="0" data-cropselx2="376" data-cropsely1="0" data-cropsely2="666" data-ratio="3.1481481481481484" data-type="jpeg" data-w="783" _width="376px" src="/ueditor/jsp/upload/image/20190321/1553129983013095493.jpg" data-fail="0" style="width: 100%; visibility: visible !important;"/></p></section>