1. Will installment repayment affect your credit score?

Instalment repayment. The impact is not very big. But that kind of small installment payment will have an impact. The bank means that you have to repay even a few hundred yuan in installments. It shows that your repayment ability is limited. As for the credit report, there will be no stain.

2. Can I not repay the Danke Rental Loan?

The latest news shows that if Danke Rental Loan cooperates with WeBank, if the contract is terminated with Danke, the loan can be settled directly without repayment. If the contract is not terminated, the loan will definitely need to continue to be repaid.

WeBank is the financial arm of Tencent and can upload expected information to credit reports. Therefore, it is better to repay the loan if you still have a normal lease!

3. If you want to buy or rent a house, Danke has inexplicably turned it into an installment loan. Will it affect your credit score?

The monthly rent payment in installments is actually a "loan" to repay the financial services company. I originally thought I was paying rent, but it turned out to be repaying a loan. Failure to pay on time will also affect your credit score.

The Hui Installment Platform provides a "rent monthly payment in installments" service. The introduction to this service only states that the rent will be withheld by a third-party bank or financial institution. If the rent is overdue, a late payment fee of 50 yuan will be charged. /day, and did not mention “credit reporting” and other related content.

The platform staff told me that the rent should be paid in monthly installments. The premise is that a rental contract of at least one to two years must be signed. If you cancel the rent early, in addition to paying a certain amount of liquidated damages to the platform, you must also pay 1% of the remaining rent is used as the "early repayment procedure" of the financial institution.

Why should we pay liquidated damages to financial institutions when the leasing relationship is obviously established with a rental agency? The staff member said that the monthly rent installment payment service is a service that financial services companies cooperate with us. It is equivalent to the financial services company giving us your rent once, and then you pay the rent to the financial services company every month. The staff member said that if you cancel the lease midway, you will definitely have to pay a certain handling fee to the financial services company, which is not much.

Lawyer’s statement:

“If the rental agency fails to notify the tenant in advance, it is suspected of defrauding the tenant.” Chen Fengfeng, a lawyer at Sichuan Yingji Law Firm, said that the rental agency will In the legal relationship of the tenant's lease, if it involves the legal relationship of the tenant's loan from a financial institution, the intermediary must inform the tenant; if the failure to inform the tenant leads to the tenant's breach of contract or affects the tenant's credit report, the rental agent should bear responsibility. If the intermediary informs the tenant and the tenant does not agree, the intermediary should directly sign a lease contract with the tenant and shall not increase the price at will because the tenant does not agree to the loan; if the intermediary informs the tenant and the tenant agrees, the financial The institution and the tenant should sign a loan contract to clearly stipulate the rights and obligations of both parties.

4. If you want to buy a house, will it affect your credit report if renting a house is inexplicably turned into an installment loan by Danke?

Renting a house will not have an impact.

Impact: According to the regulations of the People's Bank of China, if a loan owed to the bank for three consecutive times or for a total of 90 days cannot be repaid, it will be blacklisted by the credit reporting system. If the bank loan is repaid, the loan can be processed normally after ten years. and other related businesses.