When evaluating loan applicants, banks will definitely focus on evaluating the applicant's personal credit in addition to repayment ability and loan purpose. However, banks have different standards for "how many times overdue loans cannot be made". Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record.
If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact. However, if it is currently overdue, that is, a credit card is overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan.
2. Can I borrow money to buy a car with a bad credit record?
You can borrow money to buy a car with bad credit, but in a bank, you need to have good credit. The users can be private lending institutions, but the loan interest of these lending institutions is higher than that of banks.
If the user wants to apply for a car loan in the bank, the record should be kept for 5 years after the bad behavior is terminated and automatically deleted after 5 years. Therefore, users can stop their bad behavior, and then do not produce new bad records within 5 years, and can apply for car loans after 5 years.
Extended data:
Can I buy a car in installments with a bad credit report? I buy a car by installment. In banks, banks require applicants to have a stable job and income, and their personal credit status is good. Only loans that meet this line are allowed. Under normal circumstances, bad credit records will be kept for five years after users fulfill their repayment obligations. After the expiration of five years, users can apply for loans.
Third, can I get a loan if my credit is bad?
You can get a loan with a bad credit record, but it doesn't mean you can get a loan through examination. The lending institution will make a comprehensive evaluation based on the borrower's income and so on, and judge whether to make the next payment according to the evaluation score.
The relevant provisions on overdue time are as follows:
1. It cannot be overdue four times in one year.
Not three times in the past six months.
Not twice in the past three months.
4. If the overdue times do not exceed the above provisions, and personal income is relatively stable, the bank will also lend money.
5. If the borrower has a serious bad record in the credit report and is blacklisted by the bank, he may not apply for a loan before the bad record is eliminated.
If you don't know your online loan application, you can try to get a big data report from the applet "Two White Data", check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
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Do you have a credit history of online loans?
If you want to know which loans will be recorded in the central bank's credit information system, you can take the following methods:
1. When applying for a loan, it depends on whether the institution or platform requires the borrower to provide credit authorization. If authorization is needed, most of it will be recorded in the borrower's credit report.
After receiving the payment, you can see who the lender is. If the lender is a bank or a consumer finance company, the loan will usually be recorded in the borrower's credit report.
3. You can directly go to the local people's bank or the authorized commercial bank outlets to inquire, or you can log on to the official website of China People's Bank Credit Management Center to inquire about personal credit reports. If the credit information is collected at the loan meeting, it will naturally be recorded in the inquiry report.
Of course, if you go directly to the bank to apply for a loan, it will generally be recorded in your personal credit report. After all, banks are connected to the central bank's credit information system. Everyone should pay attention to repayment, cultivate the good habit of repayment on time, and try to avoid overdue, otherwise it will leave a bad credit record in the credit report.