The first type: the loan may be approved and successful. If you apply for loans from two banks at the same time, that's fine. If you apply for loans from four or five banks at the same time, there will be corresponding credit inquiry records on your credit information every time you apply, and the reason for the inquiry is "loan approval". Think about it. What would you think if you saw a person applying for loans from several banks at the same time in a short time? From the credit manager's point of view, the customer is extremely short of funds. From the bank's point of view, if you are short of a small sum of money, I can lend it all to you; If you are short of money, I can lend you half; But if you are very short of money, I'm sorry, I won't lend it to you. Because, at this time, your financial situation has already appeared problems, and from the risk point of view, it is unlikely to be approved by the bank. Therefore, if you are lucky, there may be several financial institutions with relatively loose audit requirements to lend you money. However, it is also possible that all institutions refuse to lend.
Second: the loan has been approved successfully. For example, if you apply to three institutions at the same time, they are all successfully approved. So, have you thought about how to pay back the money when it expires? Even if you finally repay the loan successfully, when you reapply for the loan in the second year, these banks will see your loan record from your credit information, and the time difference is not long. What do you think the bank will think? There is a great possibility, that is, first, there is a feeling of being cheated, and the customer did not tell me the truth; Second, I have to be vigilant and don't be cheated by customers again. I was careless last year, but fortunately there was no risk, so I must investigate clearly this year. Third, will he borrow money from other banks at the same time without telling our bank about his application this year? Even if there is an estimate, he won't tell the truth. I'd better check it according to what he knows. Fourth, he was eligible to borrow 500,000 yuan last year. It is estimated that it is impossible for one of our banks to renew these loans due at the same time as shown in his credit report this year. In order to control the risk, let's halve the quota. Therefore, applying for loans from two banks at the same time may be successful in the first year, but in the second year, it is very likely that the quota will be reduced or even the two banks will refuse loans at the same time.