In fact, personal credit information is also divided into different situations. In most cases, lending institutions can help borrowers handle it smoothly. Whether an individual can continue to borrow money after spending it mainly depends on his qualifications and repayment ability. The formal intermediary only cooperates with the bank and cannot replace the bank's risk control department to check the specific qualification audit standards. Some friends with poor credit information should not think that any loan intermediary can help you.

The first is mortgage. Like real estate mortgage and vehicle mortgage, I think everyone is familiar with it. Because these two kinds of loans are based on personal houses and vehicles as collateral, the requirements for personal credit information are reduced. Handling the above two kinds of loans, as long as the personal debt does not exceed more than half of the family's monthly income, can be handled normally through communication with the bank.

Secondly, bank credit. If your credit information is spent, but your personal repayment ability is excellent, when applying for the offline credit information products of the bank, the bank has no strict restrictions on the number of times of your credit information inquiry, and even some banks will not take too many times of inquiry as the standard for changing credit information into flowers. If you want to apply for bank credit, you only need to communicate the credit information with the bank loan examiner in advance. Generally, there is no problem and it can be handled normally.