A number of bank staff said that whether to use online loan products has nothing to do with whether to obtain bank loans, and the loans overdue record in the personal credit report is the main reason that affects the approval of bank loans.

The person in charge of a personal loan center of a joint-stock bank said that the rumor of "refusing to lend twice every six months" may be a misunderstanding of the number of credit inquiries. The inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on.

If the personal credit report is frequently inquired by institutions in a short period of time, most bank loan auditors will be suspicious of it. However, the inquiry record is not a hard indicator, but a reference factor, and the specific situation varies according to the standards of various institutions.

A number of bank staff, including Bank of China, said that banks will comprehensively consider the customer's situation, and whether loans can be approved depends on the audit of individual loan departments at specific outlets.

Extended data:

According to public information, Internet credits such as JD.COM Baitiao, Ant Borrowing, Suning Renxing Payment and Tencent Microfinance have been connected to the central bank's credit information system, which means that banks can check customers' online loan usage through personal credit information reports. Therefore, consumers who use Internet lending products must repay in full and on time, and maintain a good credit record.

Insiders reminded that if there is no loan demand, it is recommended not to click on the "view quota" entrance on some online loan products pages at will, because some loan products will be recorded in the credit report if they click on the view quota without applying.

Phoenix. Com- If you borrow twice in half a year, your mortgage will be rejected.