1. Impact of credit record: If the online loan is overdue, even if the mortgage repayment is normal, the overdue record will have a negative impact on the personal credit record. This will lower the personal credit rating, which may affect the future application for loans, credit cards and other financial services.
2. Increased debt pressure: If individuals improperly manage online loans and the funds are insufficient to repay them, it will increase the repayment pressure. This may cause individuals to fail to repay their housing loans on time, which may lead to overdue or even default.
3. Impact of credit record: According to the personal online loan situation, some online loan platforms will report the borrower's information to the credit reporting agency. Once blacklisted, it will adversely affect personal credit activities in the future, including financial behaviors such as buying houses.
Therefore, for individuals who have experienced the problem of overdue online loans, it is suggested to obtain their overdue records through channels such as "Songguocha" to classify online loans and judge whether they are formal and creditable loans. If you have the willingness to repay but the funds are insufficient, you can try to negotiate with the online lending platform to give priority to repaying formal loans and reduce the negative impact on your personal credit record.