At present, the online loan records of many online loan platforms will be collected, but it does not mean that as long as the online loan is used, it will be refused by the bank. Generally speaking, as long as it is a normal loan from a formal institution, if you repay it normally and the debt amount is not high, then the bank will consider it according to the specific situation.

Whether a bank lends money mainly depends on your personal income, credit record, repayment record, etc. In other words, using online loans does not mean that your credit is bad, but if you have a bad record such as overdue, it is another matter.

Generally, the bottom line in prime bank is that you can still apply for a loan if it is overdue for no more than 6 times in two years and no more than 3 times in a row. This condition is not so harsh.

However, there are many online lending platforms now, which are also very convenient. Some friends will abuse this tool, which will bring them some trouble, because once your online loan is granted, even if it is not overdue, your credit report will show the past use of online loans, giving people a feeling of lack of money. This will definitely have some impact on our loan application.

Extended data:

Conditions affecting the purchase of loans:

First of all, the nature of your job.

The nature of your job often reflects your income level and income stability. Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.

Second, there is little water in the bank.

If the bank has less running water or less effective running water, the bank will think that you lack "repayment ability". The definition of "effective flow" is very important. "Book on the same day, take it out on the same day" and "one-time transfer in, one-time transfer out" are definitely invalid.

Third, the credit card is overdue.

When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.

Fourth, check the credit report frequently.

Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report. As long as there is an inquiry record of the credit report, the bank is likely to think that there is a history of "loan".

Verb (short for verb) is over-indebted.

The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.

Sixth, buy a house.

The house you bought is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about smaller and older houses.

Matters needing attention in handling loans:

Cautiously use microfinance products such as credit card installment and "flower bud" installment.

Credit card staging is similar to "flowers". In fact, this is a kind of lending behavior. First of all, it will increase your credit inquiry times. Second, this is also your debt, and the bank will think that your consumption habits are not good. Third, these "convenient" installment services are likely to cause you to forget to repay.

Use credit cards reasonably and accumulate "honest capital" for yourself. Credit cards and other loan products are not used well, which is called black households. They have never been used at all, and that is called white households. No matter "black households" or "white households", they are not quality customers for banks.

People's Network-These factors may affect your housing loan.