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If you borrow money from ants and micro-loans, it won't have much impact. If it is overdue, it may affect the credit, thus affecting the loan. Ant, please, claim it? Overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information as required; And then what? Does the ant flower also have a saying? Overdue repayment will generate corresponding overdue interest, and overdue records will be submitted to Sesame Credit, which will affect Sesame Score and may adversely affect your credit.
In this regard, a reporter also consulted Alipay customer service, and the other party said that if it is purely used? Flowers? Borrowing, etc. At present, it will not be reflected in the credit record of the central bank. However, if it is seriously overdue, then this overdue record is likely to be reported to the central bank's credit information system.
First, bad credit information of one spouse will affect the application for mortgage. At present, if the applicant is married, the bank will check the credit information of both husband and wife. If only one of them has a bad credit record, it will affect the mortgage application and even lead to the failure of the mortgage application.
2. According to Article 16 of the Regulations on Credit Management, the retention period of personal bad information collected by credit reporting agencies is 5 years, counting from the date of termination of bad behavior or events; If it has been more than 5 years, the credit reporting agency shall be deleted.
Third, do ants borrow money and small loans affect the mortgage to buy a car?
Generally, the normal use of ant borrowing and micro-loan will not affect the mortgage to buy a car, but if the debt of ant borrowing and micro-loan is not paid off when buying a car by mortgage, it may lead to high debt ratio and ultimately affect the mortgage to buy a car. In addition, if the borrower has overdue behavior in the process of using ant borrowing and micro-loan, it will also affect the mortgage to buy a car. At present, the main factors that will affect buying a car by mortgage are as follows:
1. Debt ratio: Before buying a car by mortgage, if the debts of ant loan and micro-loan are not paid off, the borrower needs to pay off first. Because when buying a car by mortgage, the lending institution will calculate the borrower's debt ratio. If the debt ratio is too high, the lending institution will directly refuse to lend money.
2. Poor credit information: If there are overdue records in the credit information, it is also very difficult to buy a car by mortgage, so in the process of using ant borrowing and micro-loan, you must repay on time.
3, the repayment ability is not strong: if the economic ability is not good, there is not enough repayment ability, it is difficult to buy a car by mortgage.
Excuse me, if I use WeChat micro-loan loan, will it affect my mortgage and car loan in the bank in the future?
If the micro-loan does not default, it will have no impact on the car loan. Therefore, it is very important to maintain good credit, because now is a credit society, and your credit is your wealth.
Since the micro-credit loan will be displayed in the credit report, it has little impact on the car loan. However, if the amount of micro-credit loans is not large, it is basically no problem to pay attention to repayment on time. She doesn't have much debt now.
Microfinance belongs to microfinance and has its own credit system, so the loan procedure is relatively simple. Once there is a small amount of loans overdue, it will be reported to the credit bureau, which will have an impact on the application and loan. If you don't pay back many times, your credit record will get worse and worse. This will affect future car loans.
Credit card online repayment is one of the main repayment methods of bank credit card repayment. In recent years, online repayment has become a common repayment method for credit card users.
1. Payee account name: fill in the name of the credit card holder.
2. Payee's Bank: Fill in? Bank credit card center.
3. Transfer to payee's account: fill in 16-digit credit card number.
4. Remarks: Please fill in? Credit card repayment.
5. Withdrawal password: Fill in the withdrawal password of the integrated card.
6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
7. repayment? Payment planning function
8. Can the cardholder use it? Default payment date for payment planning function. Online banking will transfer money to the cardholder's credit card or other person designated by the cardholder at one time or every month according to the cardholder's requirements. Credit card transfer repayment.
9.？ Credit card repayment function
10. If the cardholder activates? Personal banking professional version 4.5 or above integrated card online, and applied for self-service integrated credit card and credit card transfer, can he use it? The credit card payment function will be integrated from the cardholder's credit card account. The cardholder's own credit card transfer repayment.
1 1. Personal online banking public edition:
Is it over when the cardholder opens an account card? Self-service transfer agreement card and credit card, he can log on to the website of China Merchants Bank and use the public version of personal online banking to transfer money to repay the cardholder's credit card. The transferred funds will restore the cardholder's credit card available limit in real time.
Can I apply for a car loan if there are credit cards and online loans but they are not overdue?
There is no doubt that the answer is yes. There are both credit cards and online loans, but they are not overdue, which does not affect your application for car loans. When I applied for a car loan before, there were not only credit cards and online loans, but also other loans. Why is this? I analyze it from two aspects.
First of all, it is analyzed from the risk consideration of banks. As we all know, when banks approve loans, they will evaluate whether the loans can be recovered. When we apply for a car loan, it must be when we want to buy a car. A car is an asset. When you apply for a car loan, the bank has actually added some terms to your loan contract. For example, in loans overdue, the bank can auction your car, which is equivalent to having mortgaged your car to the bank when you applied for a car loan. So for the bank, if you don't repay the loan in the future, the bank can also dispose of your car and reduce the loss.
The second is knowledge from banks. As we all know, the information of some customers of major banks is actually different. For example, if you apply for a credit card in China Bank, an online loan in a platform company, and then you want to apply for a car loan in China Construction Bank, then China Construction Bank doesn't know whether you have applied for a loan business in other banks. What's more, it's just an online lending platform. Here you will wonder, what information can major banks find about you? That's your credit report, so as long as your credit is ok and the credit card and loan you handled before are not overdue, it won't affect your handling of the next car loan.
To sum up, just do what you want, and it's easy to do. But there is a kind reminder that it is dangerous to spend in advance. Brush a credit card like you, pay back this online loan, and want to borrow money to buy a car. The pressure behind it will be great. Money needs interest. You work for a bank for nothing. Therefore, I suggest that you spend rationally and save some money.
Have you used money and small loans within half a year? They are not overdue. Does it affect the car loan? _
You have used the loan from the online lending platform within half a year, but it is not overdue and will not affect your car loan. As long as you have good credit information and no bad record, you can apply for a car loan.
About car loans.
Loan consumption is becoming more and more common. What are the procedures for a novice to apply for a loan to buy a car? First of all, you need to know the basic conditions for handling personal car loans:
/kloc-citizens over 0/8 years old with full capacity for civil conduct.
Have legal identity documents, local permanent residence or valid residence certificates.
This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.
Secondly, the process of loan to buy a car:
1: The borrower submits the loan application materials to the bank.
2. The bank conducts a preliminary examination of the application materials submitted by the borrower.
3. The bank conducts credit investigation and customer evaluation on the borrower.
3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation.
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower.
5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
Finally, I need to know the information I need to buy a car with a loan.
1: personal loan application
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.
3. Household registration certificate or long-term residence certificate
4. Personal income certificate, family income or property certificate when necessary.
5. Certificate of intention to buy a car issued by the car dealer.
6. Loan to buy a car down payment certificate
7: If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet.
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
The more common the loan consumption pattern is, the more cautious the novice should be when handling the loan to buy a car, and look at the formalities carefully. In order to avoid unnecessary troubles caused by the latter after the loan.