See if there are any acquaintances in the local bank who can help. I paid off the money because of the same problem as you. About half a year later, I bought a house and applied for a loan, but the bank refused. Later, I heard that I could improve my credit limit if I tried to deal with the bank, so I applied for a credit card in a commercial bank by deposit. I have always maintained the good habit of paying back by credit card. During this period, I also successfully applied for credit cards from other commercial banks. Of course, some banks don't. I have paid off the student loan for more than 2 years, and now I have successfully applied for a housing loan from the bank with a 30% interest, probably because the amount applied is considerable. Generally speaking, banks are more interested in large loans.

As far as your current situation is concerned, all the banks can find is your bad side, and it is difficult to lend you money. There is a saying that although your credit history has a bad side, the bank only refers to your credit history in the last two years, so try to contact the bank as much as possible.

Finally, I hope you can get the loan smoothly.

In fact, many people think that we maliciously refuse to repay these student loans. In fact, we also have a lot of helplessness.

I didn't have such a credit system when I took out the loan, so I just thought about paying off the loan.

It doesn't matter if I pay the loan monthly. As a result, many of our students fail to repay their loans on a monthly basis. At that time, my repayment agreement and passbook were stolen, so it is inconvenient to pay back the money in the future. I personally went to the school bank to repay the loan in the form of six months. I went to school twice, and I was very happy to repay the loan. Who knows?

And was sentenced

Crime of not repaying in time. Many people don't understand that we are malicious and don't pay back the money.

I remember there is another way, that is, go to the bank where you originally borrowed money and ask him to give you a certificate.

It means that you didn't repay in time for some special reason, not that I didn't repay maliciously. However, the general bank will not give you a certificate casually. I went to the bank and asked them to give it. Their director always said that you were a quality customer who repaid the loan in advance.

What? But it proves that we can't just go out and say it.

People you know can go out.

In fact, I have seen a case like yours on the Internet. It was a property market forum in Hangzhou. A person who wanted to buy a house went to buy a house, only to find that his loan had not been repaid, and the money could not be loaned.

However, the real estate agent did not refund the deposit, and finally the person said that the loan was approved.

So as long as China has human feelings, things can still be done in the end. If not, you will have to be like me.

It's okay to mix the credit. Although this breach has an impact, it can still be improved the day after tomorrow. I spend a lot on my credit card every month, and I can spend more than 100 thousand a year, so my credit is getting better and better.