The credit rating must be above AA level, and enterprises in key industries supported by the state can apply for credit loans.

Second, the basic knowledge of bank credit loans

1. What is a credit loan?

Credit loan is a way to obtain through the applicant's credit. If the applicant obtains a credit loan, then the loan applicant cannot reduce the loss by selling the borrower's collateral. However, the applicant keeps asking the borrower for repayment, and it is likely to take some extreme ways to demand payment from the borrower, which will have a great impact on the borrower's life and work.

Second, what should I do if I can't repay after the maturity?

First of all, banks will collect loans, including telephone messages, home visits, and letters from lawyers. After the bank files a lawsuit against the loan and makes a corresponding judgment, if the loan and interest cannot be repaid according to the judgment, the bank can apply for execution and finally freeze the property under its name. If the loan is overdue, personal credit will be greatly affected. In the future, other financial companies and institutions are basically afraid to lend any more. If you refuse to execute the judgment, you will be included in the list of people who have lost their trust and limit high consumption.

Third, won't credit loans be filed?

Failure to repay the loan in time will damage the applicant's credit. If the loan applicant can't repay the loan on time, the best way is to borrow money from relatives and friends and repay the loan in the current month. When a bank signs a loan agreement with a lender, it will agree on the repayment amount and time. If you don't perform as agreed, it is a breach of contract. If the lender makes compensation repayment after receiving the overdue dunning call from the bank, it will still have a certain impact on the lender's credit. Economically speaking, the lender must pay a fine for failing to repay the loan on time. However, if the collection fails, you can try to take the lender to court through legal means, then the credit loan will still be filed.