Whether to use online loan products has nothing to do with whether to obtain bank loans, but the loans overdue record in personal credit report is the main reason that affects the approval of bank loans.
Relevant surveys show that whether banks lend has nothing to do with whether they use online loan products. Unless there is something wrong with the customer's personal credit report, the customer fails to repay the loan on time and has an overdue record. At present, in the customer's personal credit information, online loans have been included in the scope of loan approval, and will be comprehensively considered with the liabilities of other assets to judge whether to lend. For example, if a customer fails to repay the loan in time by using JD.COM IOUs, he will report the details of the customer's use of JD.COM IOUs to the central bank's credit information system after notifying the customer himself. In addition, if there are multiple loans in multiple institutions at the same time in the short term, the approval of bank loans will be more cautious.
Several common situations in which banks refuse loans;
1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.
2. Microfinance: With the development of the Internet and big data, many people around you have started to borrow money online. Some have capital turnover to do business, and some have loans to support loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay off the small loan in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. But according to experience, 95% banks will ask you to repay small loans when actually handling loans. After the mortgage is approved, you can apply for a small loan. Therefore, you must consult the relevant questions before buying a house, because there are many cases in which the small loan is unclear. (The above refers to the loan on credit reporting).
3. Consumer loans: refers to some small loans, such as computer installment and mobile phone installment. No matter the amount, you must pay it off before you can apply for a mortgage, especially for single customers.
4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.
5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.