There are many loans that do not require credit reporting, as shown below: 1. Loans that don't need credit investigation include pat loan, credit wallet, small loan from relatives, big flying cloud loan, my loan, mobile phone loan, personal loan, finger loan, Cao Cao loan, malt loan, flash silver, magic lamp loan, Jiufu loan and Beijing loan, magic cash and flowers for you _ Silk. Quick Loan, Didi Good Loan, Butyl Loan, Wanda Loan, American Loan, Lebao Loan, Want to borrow money, Quick Loan, Quick Loan Bear, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, Cash Bus, Pratt & Whitney Quick Loan, Atomic Loan, Meme Loan, Renren Loan, Xinshan Loan Hi Seconds Wallet, Lightning Loan, Reading Seconds Loan, Xiaohua Wallet, Xiaomi Finance and Fun Loan. The following is a detailed introduction of some loans. (1) I came to borrow money. This is a mobile loan application designed for young people. There is no need to check the credit. It is the fastest-growing micro-mobile loan product for college students and white-collar workers in China. (2) Easy to borrow money is an interesting start. You can pay without checking the credit. The loan amount is less than 3000 yuan, and the service life is fixed at 7 days. But you must have a real-name mobile phone number and Alipay. I don't think much about credit investigation. (3) For cloth wallets, if you don't look at credit loans, I suggest you try cloth wallets. As long as more than 500 sesame seeds can be provided, the pass rate will be greatly improved. (4) Internet financial service platform provides users with short-term services. Generally speaking, I don't read credit surveys. The harm of the loan is 1. If there is a penalty interest, 50% interest will be charged. 2. You can't enjoy preferential loans or even apply for loans. 3. Bad credit records will affect future loan and credit card processing. 4. Narrowing the blacklist will even affect children. For example, children can't attend key schools. 5. The bank wrote a lawyer's letter to sue: it will be very serious if you don't repay the money for more than 3 months! The loan bank will urge the loan to be received in accordance with the law and bring a lawsuit to the court according to the loan contract and guarantee contract. Measures such as property preservation will be taken, including freezing deposits in all bank accounts of lenders and loan guarantors, and sealing up collateral and pledge.
Second, what is the main purpose of bank loan credit investigation?
The main contents of the bank loan credit investigation include: the applicant's credit status, whether it is overdue or not, and whether it is overdue for more than 6 times and basically cannot pass the examination; Whether there are bad overdue records, credit records and payment records, and evaluate the repayment ability; Some payment and punishment records in life.
If the credit situation is not very good, you can negotiate with the bank. However, if the credit situation is seriously damaged, such as not paying for three or three months, or not paying for six months in total, it will be blacklisted and refused directly.
You should check the credit information of bank loans. If the personal credit is good, there may be preferential policies for loans when applying for loans. If an individual has a deadline, he can borrow money from the bank. However, if the personal credit information is seriously damaged, he may be directly refused by the bank, so the personal credit information report has a great impact on the loan.
In terms of loan interest rate, according to the regulations of the People's Bank of China and urban and rural credit cooperatives, the loan interest rate of individual operators can rise, and the increase rate does not exceed 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, you can' shop around' and try to choose financial institutions with small floating interest rates to lend.
3. What are the loan points that can't be found by credit investigation?
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