CIC-Credit Information Center is a credit reference agency.
Loan record
They manage personal credit information (past and current loan status) based on information provided by credit card companies and banks.
If you request information to CIC, you can check your own credit information.
Knowing the following
1️⃣ Past and present loan payment status
2️⃣ Past and present outstanding loan status
1️⃣ Loan payment status
CIC is always checking your past and present loan payment status.
So you can know if you are paying the loan properly within the deadline (promised payment date).
If there are many late payments, it will have a negative impact on your housing loan examination.
2️⃣ Outstanding loan status
CIC is always checking your past and present outstanding loan status too.
If you have an outstanding loan, it is better to pay it off as soon as possible. Of course, this also has a negative impact on your housing loan examination.
If housing loan examination is NG
If you don't pass it, most of the causes are these two. Especially for 2️⃣, this information doesn't disappear.
If you leave it as it is, you will not be able to pass housing loan examination in the future.
There are many cases of unpaid mobile phone terminal payments. It's probably not that big of a amount, so I have recommend getting it done early.
How to check CIC
This is example.
①If you continue to leave outstanding loan,
" 異動 " (reference ①) appears here.
" 異動 ” means blacklist.
It will never disappear unless you pay outstanding loan.
In that state, it is natural that you will not be able to pass housing loan examination, either now or in the future.
" 異動 ” = blacklist will disappear in 5 years at the earliest after paying all outstanding loan, normally 7 - 10 years.
So if you have outstanding loan, it is better to pay all it as soon as.
② If you check here(reference ②), you know payment status.
1. ＄is normal payment.
2. A is not payment.
3. P is partial payment.
1.＄
There is no problem. This is usually the case.
2. A
Even once or twice, housing loan examination becomes difficult. If there are too many, it will be blacklisted.
3. P
If there are too many, it will be not blacklisted but, housing loan examination becomes difficult.
CIC status
If you check CIC and there is "異動”, I am afraid you never approve housing loan examination.
How to get CIC documents
You can apply online, and the fee is 500 yen (including consumption tax).
The procedure is somewhat troublesome, but if you are worried about the loan information, I think you should get it.
How to inquiry
If you want to ask in detail,
facebook messenger m.me/guiadesignoffice
Emai address consult@guiadesign.com
This site www.guiadesign.com/dream
Please feel free to contact us.
🇯🇵 A national qualified expert try to give you
advice that suits your current situation.
GUIA DESIDN OFFICE
Ibaraki Association of Architectural Firms
B5464 0309
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