How to get a bank loan if there are too many online loans

There are too many online loan records. You can try to apply for a loan through the following methods:

1. Pay off Part of the debt is owed or proof of income must be provided.

High debt has always been one of the main reasons for bank loan rejections. High debt will increase the possibility of borrowers overdue repayments. For the sake of the safety of their own funds, banks usually refuse to provide loans. Loan applications for such users.

If a borrower wants to successfully borrow money under a high debt situation, he or she can try to pay off part of the loan first to reduce the debt ratio before further applying for a higher amount of loan.

If the borrower has additional proof of assets or other side income proof, he should provide as much as possible to the bank to prove to the bank that he has the ability to repay the principal and interest of the loan on time.

2. Mortgage loans

Compared with bank credit loans, the amount of mortgage loans that can be borrowed is relatively high. At the same time, because there is collateral as a guarantee, the bank’s credit reference for the borrower is The requirements will also be reduced. Generally, as long as you go through the normal process, you can get the corresponding loan.

But the premise is that the borrower must take out some collateral that meets the bank's mortgage loan requirements, such as real estate and cars. Once the debt is unable to be repaid, the collateral will be recycled or auctioned.

Internet lending, the foreign name is Internet lending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.

Online lending is a bond investment with clear returns, and the lender of the funds obtains interest income; however, the public often confuses it with equity crowdfunding, which is an equity investment with flexible returns. Investors can Invest money in a company to obtain future income, such as Jingbei Crowdfunding, 36Kr, etc. are all equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, be fully aware of and mentally prepared to bear their own risks, and judge and bear the risks of the project on their own under this premise. Can I get a loan from a bank if I have an online loan?

1. Positive answer

You can also apply for a loan at a bank if you have an online loan. The premise is that there is no overdue credit report and big data blackout. Whether a person has an online loan has little to do with whether he or she can get a loan from a bank.

2. Specific analysis

Because most online loans are subject to big data such as credit bureaus, Xiaoqi Credit Check, and Beijian Quick Check, banks generally check the loan when reviewing People’s credit information and online loan big data. Therefore, as long as the borrower has applied for an online loan and has not been overdue, regardless of the specific circumstances, it usually does not affect the processing of bank loans.

Of course, if it is overdue, the relevant information will be uploaded to the credit report and big data. This information will be found by banks when checking the borrower's credit report, which may affect loan approval.

In addition to overdue loans, if the long-term loan situation is not good, you will also be included in the online loan blacklist. For details, you can go to: Xiaoqixin Check to check your own long-term loan situation. Long-term loans mainly refer to personal recent loans. Regarding the application status of lending institutions, it is recommended that you give yourself a break first and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

3. Can I still get a loan if it is overdue?

Whether a user can get a loan if the loan is overdue must be analyzed based on the specific situation.

If it is only one or two overdues and has been repaid in time, it can be regarded as a minor overdue situation. In this case, there is still a chance to get a loan.

Some lending institutions have a certain tolerance for overdue amounts. If the user is only slightly overdue a few times, they can lend to the user. Under normal circumstances, "three in a row and six in a row" will be considered seriously overdue. At this time, it is almost impossible to reapply for a credit card or loan. Even if all overdue payments are paid off, the probability of rejection is still high.

How to apply for online loan? What is the process of bank online loan?

Nowadays, people are accustomed to handling business online, which not only saves time but also eliminates a lot of trouble in the process. Therefore, various online loans have also appeared online. So, how to apply for an online loan? What is the process of bank online loan? Next, let’s find out together.

How to apply for an online loan?

Online loans are actually not difficult to understand. All certification, accounting, clearing and delivery processes are completed online. Borrowers and borrowers can achieve the purpose of borrowing without leaving home, and the amount is generally not high. No collateral, purely credit loan. Online loans are divided into b2c mode and c2c (p2p) mode. In addition, for online loans, customers must first determine the platform they want to borrow from, and then customers can apply through the following channels:

(1) Official website application. You can open the official website of the online loan platform, and you can generally apply online on the loan page.

(2) App application. Download and open the official app of the online loan platform. You can generally apply online in the app.

What is the process of bank online loan? The process of applying for a loan through online banking is as follows:

(1) The borrower needs to log in to the bank's official website; fill in the loan application form (pay attention to the authenticity of the information filled in).

(2) Submit relevant information for online bank loans.

(3) The common guarantee method for online bank loans is the pledge method. If the information reviewed by the bank meets the requirements and the pledge provided meets the requirements, the loan contract can be signed and the pledge procedures can be completed.

(4) Banks issue loans.

(5) Repayment plan. To perform repayment obligations, you can handle repayment through online banking.

In addition, online bank loan settlement:

Normal settlement: that is, on the loan maturity date (one-time principal and interest payment) or the last installment of the loan (installment repayment) category) to settle the loan.

Early settlement: As the name suggests, this is before the loan maturity date. If the borrower partially or fully settles the loan in advance, he must apply to the bank in advance according to the loan contract and go to the designated counter after approval by the bank. Make repayments.

How to apply for an online loan? What is the process of bank online loan? Regarding how to apply for an online loan and what is the process of a bank's online loan, the above content has been briefly introduced. I hope it can be helpful to everyone.