The ant loan will affect the bank loan, and the record of the ant loan will be sent to the credit information of China People's Bank simultaneously. If it is seriously overdue, such overdue records will be reported to the central bank's credit information system. In other words, if the loan project is used on the Internet and is seriously overdue, it will appear in the credit report and affect personal records.

Whether it is Alipay's "borrowing" or WeChat's "micro-loan", if you apply for a loan too many times and fail to repay it on time, you may be questioned when you apply for a loan in the bank. Because in the eyes of banks, looking for small loan companies to borrow money, on the one hand, borrowers are very anxious and short of money; On the other hand, the interest rate of small loans is so high that it is definitely problematic to accept assets or funds with such high interest rates, which is risky.

Commercial banks pay attention to three points when issuing loans: whether the credit record is good, whether the collateral is sufficient and whether there is a stable source of repayment. Bank credit approval must first check personal credit information to see if your credit record is tainted, spotless, mortgaged and has a stable source of repayment, and it can basically pass.