Query the credit information of bank loans.

1. Lenders mainly look at the lender's loan approval records and credit cards (debit cards). If there are too many inquiries in a short time, they may refuse to allocate funds.

2. Usually lending institutions stipulate that the borrower's debt ratio cannot exceed 50%. If the debt ratio is too high, the lender will think that the lender's repayment ability is insufficient and may refuse the lender's loan application.

3. Usually, lending institutions have the requirement of "three consecutive days and six consecutive days" for borrowers' overdue behavior. It cannot be overdue for three months in a row, and the number of overdue times in the past two years cannot exceed six. Different lending institutions have different requirements, and the specific requirements of lending institutions shall prevail when applying for loans.

Do you check the credit information of the loan?

Whether to inquire about the credit information of the loan depends on the channel through which the loan is applied:

If it is an applicant bank or a relatively large consumer financial institution, loans are generally two types: credit reporting and credit reporting;

If you apply for online lending, it depends on the specific requirements of the online lending platform. Some small lending platforms may not check credit information, but larger online lending platforms will check credit information.

In addition, there are also platforms that can make loans without checking credit information, such as relying on sesame credit scores, but now there are more and more loan platforms for checking credit information. In fact, checking the credit information does not have much impact. As long as it is not overdue, you can still apply for urgent use.

Do you need to check the credit information for the loan?

Legal analysis: If a loan is made in the name of an enterprise entity, it is generally only necessary to inquire about the credit information of the legal person. If it is a commercial loan in the name of an individual, you need to check your spouse's credit information. Legal basis: Article 22 of the General Principles of Loans: Lenders have the right to independently examine and decide loans according to loan conditions and procedures, and have the right to refuse any unit or individual to force them to issue loans or provide guarantees, except for specific loans approved by the State Council. 1. Ask the borrower to provide information related to the loan; Two, according to the borrower's conditions, decide whether to loan, loan amount, duration and interest rate; Three, understand the borrower's production and business activities and financial activities; Four, according to the contract from the borrower's account to collect the loan principal and interest; Five, the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to repay the loan in advance or stop paying the loan not used according to the contract; Six, in the loan will suffer or have suffered losses, according to the provisions of the contract, take measures to make the loan from losses.