Secondly, bank loans have credit information. Under normal circumstances, no loan will not affect the credit, but overdue or frequent loans will affect the credit. You can understand that if you haven't repaid the loan next month, it will affect the credit investigation.
Extended data:
Factors affecting bank credit investigation:
1. The credit card has an overdue record. Once the overdue record is generated, it will affect the personal credit rating, and you will not be able to enjoy the bank's interest rate concessions or even get a loan. Therefore, avoid overdue repayment of credit cards. If you withdraw cash by credit card, but repay it in time, it will not affect your credit.
2, personal debt is too high, such as loans before, and the loan amount is large, accounting for 70% and 80% of income, then the credit rating will be lower, and it is impossible to borrow so much money.
3. Personal credit information has been inquired by people other than myself for many times. If the personal credit information is inquired by other institutions for many times, it is likely that the credit information records are inquired because of borrowing from many institutions, which affects the loan.
4. Spouse's credit is very important. If you are married, your spouse's credit rating will be affected if his credit is bad, his credit card is overdue or his debt is too high.
5. Does the individual owe taxes? If there is, it will appear in the credit record, leading to a decline in the rating.
6. Data other than credit, such as unpaid property fee, water fee, electricity fee and gas fee. , which will lead to a lower credit rating.
References:
Baidu Encyclopedia-Personal Credit Survey