Credit information is generally six or three consecutive overdue or bad credit records, and you can't borrow money to buy a house. Usually, each bank has different requirements for credit reporting, but each bank will ask the lender for a credit reporting report and review it. In addition, the bank will also review the applicant's work certificate, salary flow, marriage certificate, etc. The main bank will determine whether the lender has the ability to repay. After submitting these materials to the bank for review, the bank will agree to sign a loan contract and lend money. Of course, if the applicant has certain funds in the later period, he can also apply to the bank for early repayment. Even if he doesn't buy a house, he should protect his personal credit information.

How to deal with the influence of credit reporting on loans?

1. If the credit information affects the loan, you can consider changing the bank of the loan, because the threshold for applying for a loan is different for each bank, and you can choose a bank with a lower threshold to apply again.

2. You can choose some relatively small city commercial banks, whose loan requirements are not particularly high.

Another way is to change the loan. If you applied for a personal credit loan before, you can directly change it into a mortgage loan or a secured loan. In addition, you can also find ways to issue more qualification certificates, which can prove that you have the ability to repay the loan principal and interest.

How to handle the loan if the bank card cannot repay?

If the bank card cannot be repaid, you should contact the bank in time. It is suggested that you can bring the original ID card and the original bank card directly to the bank's outlets for consultation. For example, the bank card may be invalid, at this time you need to reissue a bank card.