Can I still get a loan if my credit report is overdue 9 times?

If you are overdue nine times, it depends on when you are overdue and how long each overdue period is. Bank loans require that there should be no overdue records of consecutive triples or triples on the credit report. It is relatively strict. The industry's credit record requirements are that credit loans must be overdue no more than 12 times in total.

The mortgage loan shall be overdue no more than 24 times in total. There can be no more than one overdue payment of more than 90 days. No more than 2 overdue payments of more than 60 days can be made.

Extended information:

Overdue loan interest: It is the penalty interest caused by overdue loans. Specifically, it refers to the overdue penalty interest caused by the lender not returning the loan as stipulated in the contract.

The general operation is to add a penalty interest of 30%-50% to the original loan interest rate. The specific algorithm depends on the different circumstances of each case.

Based on:

Notice of the People's Bank of China on issues related to RMB loan interest rates

All branches and business management departments of the People's Bank of China, all policy banks, state-owned Wholly owned commercial banks and joint-stock commercial banks:

In order to steadily promote the market-based reform of interest rates and give full play to the regulatory role of interest rate leverage. The relevant matters regarding RMB loan interest rates and interest settlement are hereby notified as follows:

1. Regarding the issue of RMB loan interest calculation and interest settlement. The interest calculation and settlement methods for various RMB loans (excluding personal housing loans) shall be determined through negotiation between the borrower and the borrower.

2. Regarding the adjustment of loan interest rates during the contract period. The interest rates for medium- and long-term RMB loans have been changed from fixed one year to determined by both borrowers and lenders based on commercial principles. They can be adjusted monthly, quarterly, or annually during the contract period, or fixed interest rates can be used.

The interest rates for loans with maturities of more than 5 years are determined independently by financial institutions with reference to the interest rates for loans with maturities of more than 5 years published by the People's Bank of China.

3. Regarding the issue of penalty interest rates. The penalty interest rate for overdue loans (loans where the borrower fails to repay on the date stipulated in the contract) has been changed from the current rate of 2.1% per day to an additional 30%-50% on top of the loan interest rate stated in the loan contract. %.

If the borrower fails to use the loan for the purpose stipulated in the contract, the penalty interest rate will be changed from the current rate of 0.5% per day to an additional 50%-50% of the loan interest rate specified in the loan contract. 100%.

For loans that are overdue or not used for the purpose stipulated in the contract, interest will be charged at a penalty interest rate from the date of overdue or the loan is not used for the purpose stipulated in the contract until the principal and interest are repaid. For interest that cannot be paid on time, compound interest will be calculated based on the penalty interest rate.