If there is an online loan under the user name, it will have some impact on the user's bank loan. The number and amount of online loans under the user name will have an impact on the user's bank loans.
First, if the number of online loans under the user name is small and the amount is not high, it will have little impact on bank loans.
Banks will query users' big data when reviewing loans. Big data is mainly to understand the online loan situation under the user name, mainly including the number of online loan applications, loan amount, overdue amount and other information.
Banks will audit users according to their big data query results. If the number of online loans under the user name is small and the loan amount of online loans is not high, it is still very likely that such users will pass the examination and approval when applying for loans.
Now banks' awareness of online loans is gradually deepening, and many users will also apply for online loans for their daily consumption. For users who have a certain amount of online loans, it does not mean that their repayment ability is relatively poor, and banks are willing to give these users a certain amount of loans.
Second, if the number of online loans under the user name is large, it will have a greater impact on bank loans.
If the number of online loans under the user name is large, it will have a great impact on the user's bank loan application, and the bank has a high probability that the user's repayment ability is poor and he is unable to undertake bank loans.
From the bank's point of view, if there are many online loans under the user name, it means that users are under great financial pressure and should also apply for small online loans. If banks provide loans to users, users will be under great pressure to repay bank loans, and banks are reluctant to provide loans to such users because bank loans are more likely to be risky.
The interest rate of online loans will be higher. Although the loan amount of online loans is not high, the repayment pressure of users is still great. If users apply for online loans, the interest that users need to pay in order to maintain the normal repayment of online loans will be much higher than that of ordinary bank loans, and the pressure on users' liquidity will be greater.
Third, if the online loan under the user name is overdue, it will have a greater impact on bank loans.
If the bank finds that the online loan under the user name is overdue when querying the user's big data, the bank will be very strict in approving the user's loan, and it is difficult for the bank loan to pass the examination.
Many banks will conduct big data screening and credit inquiry on user loan audit, in which big data screening is the first step. If the user's big data screening does not meet the requirements of the bank, the user's bank loan will be directly rejected. If the online loan under the user name is overdue, then most banks will directly refuse the bank loan of such users.
Online loans under user names will definitely have an impact on bank loans, but the impact of the number and amount of online loans on bank loans will be different. If we don't want to be affected by online loans, then try not to apply for online loans. If there is a need for funds, we can apply for loans from banks and other financial institutions to solve our funding problem.
Will online lending affect bank loans?
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If you have online loans, you can also apply for loans at the bank. Whether the borrower has an online loan has little to do with whether he can borrow from the bank. Because most online loans are not credit, but recorded in their own credit system; Banks generally only check the borrower's credit information during the audit, and will not check the online loan big data. Therefore, whether the borrower has applied for online loans, and the specific situation, usually does not affect the handling of bank loans. Of course, this is not absolute. After all, some online loans are connected to the central bank's credit information system and will collect relevant information. When banks inquire about the borrower's credit information, they will find this information, which may affect the approval of loans.
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1, requirements for unsecured credit loans of banks:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank. If the online loan is not overdue and meets the conditions of the bank, the probability of applying for a loan in the bank is still very high. However, it should be noted that the loan applied online, even if it is not overdue, will be recorded in the personal credit report. If you apply for a large amount of online loans, the bank may think that you are unable to repay them, so it will reject your application.
2. You can apply for a bank loan if you have an online loan, but only if the online loan is not overdue and the amount of the online loan is not very large. If the online loan is overdue and the credit is received, the bank will not give you another chance to lend. If the online loan is not overdue, but the amount is so large that the debt ratio under the personal name exceeds the bank's limit, the bank will refuse your loan.
3. Online lending has a direct impact on the approval of bank loans. Some banking products require that customers can't have online loans under their names. If there is an online loan, it must be settled on the credit report for half a year. Some banks also stipulate that personal loan quotas should be shared with online lending platforms. If 654.38+million loans have been made on the online lending platform, the total bank loans will be reduced by 654.38+million. If you have applied for an online loan, but want to apply for a higher loan from the bank, it is best to pay off the online loan first. If you can't pay it back for the time being, you need to provide the bank with very good repayment ability, such as providing a house and a car under your name. Whether the online loan will lead to the rejection of bank loans depends on whether the online loan has been granted credit, whether the online loan has expired, and the applicant's personal conditions.
Does online lending have an impact on bank loans?
Online loan records have an impact on applying for bank loans. For example, if there are overdue records of online loans, or if there are too many applications for online loans, banks may reduce the loan amount or refuse to lend for risk control. In addition, some online loans need to check credit information when applying. Too many records of credit inquiry will also affect the approval of bank loans.
Therefore, if it is not a special case, users are advised not to apply for too many online loans, so as not to ruin their credit information and affect their future business.
If you have online loans, you can also apply for loans at the bank. Whether the borrower has an online loan has little to do with whether he can borrow from the bank. Because most online loans are not credit, but recorded in their own credit system; Banks generally only check the borrower's credit information during the audit, and will not check the online loan big data. Therefore, whether the borrower has applied for online loans, and the specific situation, usually does not affect the handling of bank loans. Of course, this is not absolute. After all, some online loans are connected to the central bank's credit information system and will collect relevant information. When banks inquire about the borrower's credit information, they will find this information, which may affect the approval of loans.
Will online lending affect bank loans?
If you only apply for online loans, it will not affect your personal credit information. However, if the number of online loans is too frequent, or even apply on multiple platforms at the same time, it may lead to more credit information and affect future loans.
The specific impacts are as follows:
First, there are not many online loans, and there is no online loan record after the loan is paid off within the specified time, which has little impact on bank loans.
Second, there are overdue repayment records, but too many online loans will affect the approval of bank loans.
Third, there are overdue repayment records, which will affect personal credit information, follow-up loans and other related issues.
Peertopeer refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate at lower management costs and provide cheaper services than traditional financial institutions.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
According to "20 15 China P2P online loan index operation express", the national P2P online loan turnover exceeded one trillion in 20180565, up 258.62% year-on-year; By the end of February, 2015,65438, the national P2P online lending volume had accumulated to163121500 million yuan over the years. Peer-to-peer online lending helps to solve the funding problem of SMEs. As a kind of private lending, although the loan cost is high, the time for funds to arrive in the account is fast and the loan threshold is lower than that of banks, which is of great significance for solving short-term temporary problems.