What behaviors will restrict loans?
I. Acts that seriously endanger people's health and life safety.
It mainly includes serious dishonesty in the fields of food and drug, ecological environment, engineering quality, safety production, fire safety and compulsory product certification.
Two. Acts that seriously undermine fair market competition order and normal social order.
It mainly includes bribery, tax evasion and fraud, malicious evasion of debts, malicious arrears of payment or service fees, malicious arrears of wages, illegal fund-raising, contract fraud, pyramid schemes, unlicensed operation, manufacturing and selling fake and shoddy products, intentional infringement of intellectual property rights, bidding for loan qualifications, collusion in bidding, false advertisements, infringement of consumers' legitimate rights and interests, serious disruption of cyberspace communication order, and gathering people to disturb social order.
Three, refused to perform legal obligations, seriously affecting the credibility of the judiciary.
It mainly includes serious acts of dishonesty such as judicial organs making judgments, refusing to perform after decisions, and evading execution.
Four. Refuse to perform national defense obligations
It mainly includes refusing or evading military service, refusing or delaying the requisition of civilian resources or hindering the transformation of requisitioned civilian resources, endangering national defense interests and destroying national defense facilities.
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What should I pay attention to when applying for a loan?
1. Try to quit as little as possible before buying a house.
If your job is always changing, then the bank has reason to believe that your income is unstable and it will be very difficult to get a loan. Therefore, try to stay in a company before getting a loan, even if you want to quit, you have to wait until after the loan is issued.
2. Try to borrow whole numbers for loans.
Generally speaking, bank loans are all integer loans, so if conditions permit, try to use integer loans. For example, if you want to borrow 805,000 yuan, try to borrow only 800,000 yuan.
3. The flowing water of the bank should be "beautiful"
A "beautiful" bank flow can help you get loans more smoothly, even high-level loans. Therefore, before the loan, deposit a little money into the bank card every month. Generally speaking, the bank current account is twice as much as your monthly loan, which will make it easier for you to get funds.
(The above answers were published on 20 17-06-0 1. The current purchase policy should be based on the actual situation. )
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