1. The credit card or loan is seriously overdue.
Credit card overdue will not only generate high interest and late payment fees, but also be defined as "malicious overdraft" if it exceeds three months, which will easily make banks bear criminal responsibility and naturally make it impossible to apply for loans.
In loans overdue, especially in the case of "three times in a row, six times in a row" (referring to the borrower's overdue repayment for six times in three consecutive months or two years, which is a serious overdue), whether applying for a credit card or applying for a loan will be rejected by the bank.
2. Too many credit inquiries.
Many people know that too frequent credit inquiries will directly affect personal loans, but it is not clear where the limit of the number of credit inquiries is. Generally speaking, more than 6 times of credit inquiry within half a year will affect the loan. If the inquiry exceeds 10 times, the bank will directly reject your loan application!
3. Large consumer loans have not been settled.
If you still have a large amount of arrears in your name, it is very difficult to apply for a loan at this time, because the arrears in your name have already occupied your personal credit line.
When reviewing loans, banks should not only refer to personal credit records, but also judge whether you still have the repayment ability of new loans according to the applicant's current economic situation, income and current liabilities.
4. Failing to pay the living expenses such as water and electricity on time.
In addition to the loan records, the credit report will also record some payment records of living expenses. If you are recorded in the credit report because you are in arrears with living expenses, the relevant institutions will question your financial ability and willingness to repay, thus refusing to apply.
5, civil and administrative punishment records
Punishment records are also bad records, including tax evasion, administrative detention, civil judgment records and so on. If these are recorded, it is easy to be refused a loan application.
What kind of personal credit can't be loaned? These situations will definitely be rejected!
With the introduction of the new version of credit information, more and more personal economic behaviors are recorded in users' personal credit information. If the user's personal credit report appears credit stain, it will affect other credit businesses. Many friends have asked, what kind of personal credit can't be loaned? These situations will definitely be rejected!
What kind of personal credit can't be loaned?
1, overdue
If a user has a record of overdue loans or credit cards on his personal credit information, it is a serious credit stain. If he applies for a loan from any financial institution, he will be assessed as a high-risk customer. If the overdue record on the user's personal credit report reaches the point of "three consecutive tired six", the application for loans from most financial institutions will basically be rejected.
The overdue records of credit information cannot be eliminated artificially, and it takes five years for the borrower to pay off the loan before the overdue records can be completely covered.
2. The debt ratio is too high.
Many users have no overdue records in their personal credit reports, but they are still rejected by banks for loan applications. This is because the user debt ratio is too high. The calculation method of debt ratio is simple. Average the borrower's income with the loan amount. If the borrower's debt exceeds 50% of income, the debt ratio is too high.
Some banks will require borrowers to have a higher debt ratio, which cannot exceed 30% of their income. If the borrower's debt ratio is too high, you can find ways to submit other asset certificates to reduce the debt ratio.
3. Too many times of being queried
Personal credit inquiry can be divided into active inquiry and passive inquiry. It doesn't matter if the borrower takes the initiative to inquire. If a user's personal credit report is inquired by other financial institutions many times, it belongs to "credit investigation". Many financial institutions will not approve loans to users who spend money to buy credit information.
The above is the sharing of "what kind of personal credit can't be loaned", I hope it will help everyone!
To what extent can't I borrow money to buy a house?
Many people have difficulty in buying a house in full, and most people choose to borrow money to buy a house. When handling a mortgage, the bank will query the borrower's credit information, which also means that the quality of credit information directly affects the success rate of the mortgage. For some borrowers with particularly poor credit information, even if their personal qualifications are good, banks will refuse to lend. Then, to what extent can credit information not be used to buy a house? Let's take a look together. To what extent can I buy a house without a loan? First look at whether there are overdue records in the borrower's credit report, and then look at the five-level classification of loans in the borrower's credit report. 1. If the borrower's credit report is overdue for three or six times in two years, it is impossible to apply for a mortgage. There are also records of bad debts, compensation, payment suspension and other special transactions. The degree of bad credit information is very serious, and it is impossible to borrow money to buy a house. 2. As the People's Bank of China classifies real-time loans into five categories, the borrower's credit report account will be marked as normal, concerned, second-class, suspicious and loss. In addition to the normal account status, the borrower's credit account is marked as any of the other four statuses, and it is also impossible to borrow money to buy a house. So, how to solve it? If the borrower's credit deteriorates due to bad behavior, such as overdue, you have to pay off the overdue debt and take good care of the credit for a period of time, depending on the degree of bad credit. For example, if you are tired for three times, you must ask for credit information for at least two years. However, if the status of the credit account shows one of the four abnormal situations, it means that the borrower's borrowing risk is very high, usually because the repayment ability is not particularly good. For example, if you have a long-term loan or someone else's guarantee, it is recommended to find ways to increase your income and reduce the risk of borrowing before applying for a mortgage.