There are many behaviors that cause overdue, such as that individuals don't know the repayment date of the bank, the staff didn't clearly tell the repayment date, and they didn't repay on time after applying for student loans during college. If the borrower refuses to repay even though he knows that he needs to repay and has the ability to repay, it is a malicious overdue. Malicious overdue is a very serious bad behavior, and I warn you not to do so.

The second is to check credit records many times.

In the short term, if the borrower's credit report is frequently inquired, but the record does not show that the borrower has obtained a loan or credit card, the lending institution may feel that the applicant is not qualified to obtain a loan or credit card. In this way, the applicant's first impression in the lending institution is very bad.

Third, guarantee huge debts for others.

When you vouch for others, you must be careful and decide according to your own ability. Never exceed your ability, never use your own real estate and other necessities as collateral! It is best to write "general guarantee" in the contract, otherwise it may bring you huge debts.

Fourth, the personal debt ratio is too high

Generally speaking, a family's total income is at least twice the debt before the bank agrees to lend. Before making a loan, the borrower must reasonably evaluate the approximate amount that he can be approved according to the income-liability ratio stipulated by the bank. In particular, banks have different regulations on the ratio of income to liabilities, and borrowers need to consult in detail.

5. Spouses have bad credit.

This may be overlooked by many borrowers. For some loans, such as mortgages, in addition to reviewing the applicant's information, the spouse's credit is also a factor they examine. Therefore, if the spouse's credit record is bad, it is likely to lead to loan failure.