Online loans will affect housing loans, but if online loans are not overdue, the loan amount is not large, which has little impact on mortgage loans. In addition, it depends on whether online loans will be credited. If the applied online loan is not connected to the central bank's credit information system, there will be no loan inquiry record on the credit information. Banks will naturally not see too many loan records when inquiring about the credit information of mortgage applicants, so they will not affect the mortgage. Online lending, p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities. 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, 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.
Second, will it affect the mortgage credit information of p2p platform?
Yes, P2P loan companies on all major platforms are now accessing the credit information system. Once the loan is overdue, you will be listed as a faithless person and your credit will be blacklisted on a P2P platform. In the future, whether it is a loan to buy a house or a car will be affected.
Third, will it affect the mortgage credit information of p2p platform?
It will affect
Let's see what others say.
Fourth, does it have an impact on the timely mortgage in the future?
Mortgage loan approval needs to be evaluated according to your comprehensive qualifications, and your debt, educational background, credit history, income and other aspects need to be considered. The repayment records of some online loans were reported to the credit information system of the People's Bank of China at the meeting and will be included as part of the loan application assessment. Credit information will be checked when applying. It is not advisable to inquire too much about credit information, which may affect the loan application, but the actual approval result of the bank shall prevail. Consult your loan handling bank specifically, subject to the official reply of your mortgage handling bank.