As a departing manager of the personal finance credit department of a domestic joint-stock bank, I'll say what I think, because it's likely to change your opinion!
Let's just talk about the dry stuff and let you know the specifics!
Everyone has three sets of credit credit systems! First: what is the nature of chanting, borrowing, particulate loans, white strips!The above four, all belong to the category of online loans!
Chanting and borrowing, belonging to Alipay's products, generally by my hand credit case found that most of the chanting is not on the credit system, and borrowing in the requirements of the People's Bank of China, has begun to reflect the credit report;
Chanting belongs to the class of credit card products, but most of them belong to the virtual credit card, at least at present, I haven't seen the physical chanting card, the monthly expiration of need to pay back, and if there is a late payment, it will be the first time that I see the card. The fact that there are financial institutions other than banks that have additional credit has led to many banks over-crediting, and in the end, the lenders can't pay back the bank's money, and the bank incurs bad debts, and so on.
Jingdong white = Chanting
White and Chanting is more like it, except that many banks cooperate after the hairstyle white card, such as Everbright, CITIC and so on the bank, but with the passage of time, the credit management is now more and more strict, but for the credit good people will still give the opportunity!
Microparticle loans = Chanting
The two products also belong to the credit products, that is, pure credit unsecured loans, and the amount of money is larger, the loan cycle is long, interest rates are higher and higher characteristics, which particulate loan interest reached a monthly interest rate of 1.5%, higher than the bank the same product, the interest rate of more than three times higher, in exchange for you, you will choose and who to borrow money?
Second: we look at the impact of these products on personal creditFirst of all, when you go to the bank to apply for a loan or credit card, the bank has several steps to take, and at this point you may ask: Why is my loan or credit card quota given so low?
1, the bank evaluation of your credit, will be from a variety of aspects of the examination, which includes: identity traits, status influence, the nature of the work unit, the number of relationships with the agency, the total amount of pre-credit, income, joint liability, housing, the bank's business viscosity and so on the direction of the examination, these are just a few of the characteristics of the decision to have no risk of delinquency!
2, there is access to the stage of data collection, access to the Ministry of Compliance, Legal Department, pre-credit, final credit waiting for you, so we do not think or get a personal loan or credit card is very easy!
Secondly, do not rule out the exclusion of Alipay, Tencent, Jingdong products within the various banks, some banks will have certain internal requirements for the examination of Chanting, particulate loans, white strips, gold bars, etc., this point should be checked up from the big data!
Finally, when you go to the bank loan, at present, in addition to the bank system review of the product, most of the large amount of credit is still required to carry out manual intervention, if your online loan is more, or your big data occurs in the behavior of a major overdue, but also by the bank refused to lend!
Third: you have three credit systems
1, the People's Bank of China credit system, the current set of credit system has been upgraded to the second generation, the data recorded is also more than the first generation of data, more comprehensive, basically all the state-owned banks, joint-stock banks, local banks, policy banks will consult this system, personal loans will be investigated, business loans will also be investigated!
3, the bank's internal credit system: each bank has its own internal credit, which mainly look at what you have done in this bank, there is no stickiness and so on! The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do that in a very short time!
Chanting, chanting, microcredit, white paper is not unavailable, but in the process of using it, pay attention, don't happen to be overdue, because now many banks will query three sets of credit system! External, internal and third party, if you see you have a lot of late words, you in want to cooperate with the bank will be very difficult!
I wish you all a lot of money in your pockets and a happy life every day!
Chanting, chanting, micro-particle loans, closely related to our lives, many friends are using, become an integral part of our lives. But these in the eyes of the bank, all belong to the network loan.
Recently part of the chanting is also connected to the data of the bank, so as long as you use these online loans, it will be on the credit, and some online loans are used once on a credit. The first thing you need to do is to get your hands on a new pair of shoes or boots, and you'll be able to get them to fit in the back of your head, so you'll be able to get your hands on a new pair of shoes or boots. credit update before you can enter the piece
Second, the number of online loans
Banks also have requirements for the number of online loans, the number of online loans shall not exceed 10, otherwise you must first settle a few, and so on credit update before you can
Third, the number of times late
For the frequent use of online loans for the friends, too much overdue is certainly not, so the use of the ordinary must not be The reason for this is that the amount of money you spend on the internet is often not particularly large, and the bank will think that you even use this money, will not appear to be very short of money, the more short of money the bank the more you don't lend you, the more clean the credit the more you like it, but the white household can not be. So that moderate use can be, must not be excessive
As the financial industry loan approval practitioners, to answer a wave.
First of all, to figure out, frequent use is how frequent? The first thing you need to know is that you can't afford to lose your money, and you can't afford to lose it. The actual fact that you can't get a good deal of money from a single person is a good thing, but it's a good thing that you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person, because you can't get a good deal of money from a single person.
Secondly, banks usually consider several aspects when granting credit for loan approval to natural persons.
First, the amount of indebtedness reflected in the credit report (total credit amount, monthly repayment amount, etc.), the type (mortgage, mortgage, credit, online loans, etc.), the number of (multiple borrowing).
Second, the ratio of assets to liabilities (bank statements, real estate, cars, social security, provident funds, etc.) provided by the customer or obtained by the bank after due diligence.
Third, the ratio of the total credit limit of the credit card to the average amount used in the last 6 months.
Fourth, the overdue situation (usually required in the last 2 years can not be more than even 3 tired 6, because the current credit to mention the credit situation in the last 5 years, some banks on the 5 years of overdue situation also have requirements.) .
Fifth, the external guarantee situation.
Sixth, the number of loan approval inquiries in 1-2 months (some credit requirements in the last 2 months no more than 4 times).
Seventh, big data report. (including involved in lawsuits, crime, multiple lending, etc.)
Knowing the above ideas, if the frequent use of gold bullion, borrowing, particulate loans and other online loans, so that the number of borrowing pens increased, liabilities increased, the number of loan approval inquiries increased, increasing the possibility of overdue, increasing the ratio of assets and liabilities, increasing the amount of the monthly payment, and other negative effects, it really will affect the bank loan.
Again, it is important to distinguish between a mortgage and a credit loan. Mortgage loans, because of the security of the object, the general amount of credit can be adequately covered by the value of the collateral, so the review of other qualifications usually do not have too many requirements. Banks will only make requirements on some hard conditions, such as the number of late payments, bank current to cover the monthly payment and so on. So online loans, if the repayment situation is good no late, personal income is too hard, in fact, for housing, car mortgage, mortgage and other loans is relatively small. Frequent use of online loans on the bank credit more impact is actually credit loans.
Finally, both the formal bank loans, or the network of small loans, are a form of personal credit value. Traditional banks, because of their risk control system has been fixed, there is too little adjustable or flexible, resulting in high credit value, and because of its large market, resulting in low cost. Online microfinance, due to its relatively new model and many channels to collect information, leads to more flexible credit, low credit value but high cost. Therefore, my personal advice is that if you have an excellent work unit, such as state-owned enterprises, institutions, etc., and high social security and provident fund contributions, please accumulate more bank credit, use credit cards, bank credit products, which are stable, with low interest rates and high credit limits. But if you do not have too good conditions for accumulating bank credit, online loans may also be worth using, as long as the normal repayment, will not have too much impact on the purchase of housing and car these life events. But whether it is a bank loan, or network loans, now is the era of big data accumulation, you borrowed, excessive consumption, and then overdue, will cause irreparable credit stains, there are always people who feel that the credit report only records the credit situation within five years, I was overdue for five years after the credit will be raised, but I do not know that the powerful record function of the big data risk control system will be with you for a lifetime, and now the banks and other traditional financial institutions have also more Now traditional financial institutions such as banks are also more access to the big data query system. The first thing you need to do is to get your hands on a new computer, and you're going to be able to do it in a way that you don't have to.
However, I'm a financial advisor, and I've been in the business for many years, so I'm sure I'll be able to help you out. The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do that with the help of your own personal computer. Thus, the hole is getting bigger and bigger, the credit is getting worse and worse, the more points the more flowers, the last credit is rotten, the bank rejected the door
2, look at the interest rate of the network loan, really not low ah
Look at which is less than 1.5 points
3, occasionally with can be, but don't frequent the use of a large amount of
3, occasionally with can be, but don't frequently large amount of use
For those who don't have a credit history, this is the easiest way to have a credit history. For some college students, there is no source of income, and uncontrolled consumption will only lead to a vicious circle, which will lead to problems sooner or later
For those who are working, it's okay to use them once in a while, but these online loans are a great way to get credit, and they are also a great way to get into debt. If you later go to the bank to apply for a loan, the bank will be stuck with your query times, will also be stuck with your liabilities
4, the bank is how to look at the network loan
We all feel that to go to the bank to apply for a loan is too much trouble, although the interest rate is low, but it always feel that the bank is too high, too strict requirements, do not want to deal with the bank. In fact, this thought is not right, as long as you have real estate, provident fund, etc., the bank loan is still very good to apply for
Bank loans it look at two aspects, things and people, "things" but more to say, that is, the car houses; "people" is your credit, you The first thing you need to do is to get a good deal of money from the bank, and then you'll have to pay for it, and then you'll have to pay for it, and then you'll have to pay for it. I'm not sure if you're going to be able to do that.
At present, the use of chanting, chanting, microparticle loans, and Jingdong Baijiao is very common among young people, for example, according to the data released by the ant gold service, the balance of chanting and chanting alone has reached 1.7 trillion yuan, which is a huge scale.
Because of this, many people are concerned about whether their use of these consumer credits will affect their credit with the bank.
For the use of these consumer credit will affect everyone credit, this depends on the specific product, here we will look at the impact of these kinds of consumer credit on everyone's credit.
1, Chanting.
From the current actual situation, most of the user's chanting is not on the central bank credit, but there are indeed some users reflecting in the query of credit to see the chanting record, the credit report shows the Chongqing ants small micro microcredit limited company, if there is a record of this small loan company, it means that everyone's chanting is reported to the central bank credit system.
Of course, for those who don't, if you don't pay your bills properly, you may have to pay them back, but if you don't pay your bills properly, you may have to pay them back.
2, Chanting
Chanting can be sure that all the users will be reported to the central bank credit system, whether it is the query or the use of the amount of money, will be displayed on the central bank credit report, the display of the main body of the Chongqing Municipal Anti-city business microfinance Co.
For example, for new users, if you query how much credit you have, then in the query entrance, ant gold service is the default authorization to view the credit report, so this query record will be displayed on the credit report.
In addition to the old users, if you are currently using the ants to borrow, or have a record of using the ants to borrow, then all the borrowing records in the last 5 years will be displayed on the central bank credit report.
3, micro-particle loans.
The logic of particulate credit is the same as that of ants chanting, no matter whether people query or use the amount will be shown on the central bank credit report, showing the main body of the micro-bank.
4, Jingdong white bar.
Jingdong white bar is the same as chanting, is actually a kind of consumer loan, as to whether the Jingdong white bar on the central bank credit report, also depends on different users.
As early as March 2018, the official microblogging of Jingdong Finance has said that the gold bar, white bar, Jingnong loan business has started the credit access work, to be formally accessed will be in accordance with the relevant requirements of the central bank to report truthfully. And in the last two years, there are indeed a lot of Jingdong white bar users have been reported to the central bank credit system, the main body of the report for the Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd, the reported amount for the user since January 1, 2019, the maximum credit limit, including fixed amount, temporary amount, and exclusive amount, the specific credit report display shall prevail.
From a practical point of view, if everyone's white bar is due for full repayment may not be reported, but if it is an installment, it may be reported.
This reported amount of Jingdong white bar is very incomprehensible to many people, because many users may only use a few hundred dollars of white bar, but Jingdong is reported according to the maximum credit limit, which is very offensive to many users.
But it's not hard to understand, in fact, Jingdong white is also a credit card type of consumer credit, the current bank credit card is according to the credit limit and the use of the amount to report, I believe that in the future, including the ants chanting, borrowing, particulate loan and Jingdong white may refer to credit card way to report.
In addition, from the perspective of the current regulatory policy for online microfinance, it is expected that all microfinance companies will have access to the central bank's credit system, which will make it easier for them to regulate, and that some of the online consumer credit they use will be reported to the central bank.
Will using these consumer credits affect bank credit?
In this can also be sure to tell you, from the current major banks audit standards, where the use of small loans will certainly have a certain impact, especially when applying for a home loan impact is very large.
Currently go to the bank to apply for a housing loan, as long as the bank found out that everyone has a small consumer loans have not been settled, and these issued by the body is the ant gold or Jingdong these network credit, then the bank will basically require you to first these network consumer credit settlement, before you can be normal approval.
Why do banks do this? In fact, for two considerations:
First, the fear of people to consumer loans as a down payment
The current regulatory authorities strictly prohibit all kinds of consumer loans violations into the property market, once found will be punished, so the major banks in the approval of the mortgage are very careful, once found that the user has a larger network of The first thing you need to do is to get your hands on some of the most popular products and services in the world, and then you'll be able to get your hands on some of the most popular ones.
Secondly, they are worried about people repaying their loans.
We all know that the interest rate of network credit is relatively high, if a person can afford such a high interest rate, the bank will think that the person's repayment ability is relatively weak, so out of the repayment ability to worry about some banks may refuse.
Of course, if you just apply for a credit card or some business loans, the impact may not be so great, but more or less there will be some impact, this is some of the bank's "subconscious provisions".
If you usually do not apply for a housing loan, do not apply for a commercial loan, do not apply for a credit card, then the use of these consumer credit will not have any impact, but if you frequently use these consumer credit, personal credit records will have a lot of inquiries, as well as credit records, the last 5 years can not be cleared, so we recommend that you are fine not to frequently use these The first thing you need to do is to get a good deal on the credit card, so you're not going to be able to get a good deal on the credit card.
Don't use online loans frequently, especially small loans, even if you pay them back on time, they will definitely affect your credit.
The future loan to buy a house or a car or simply credit, whether from the amount or from the interest rate, will suffer.
Many people say, I paid on time, how can you affect my credit?
Please do not follow the logic of credit card swipes to judge the impact of online loans on credit.
We need to learn to differentiate between consumer credit and online lending, which are two completely different categories with different impacts on credit.
Credit purchases, such as ant chanting, are essentially credit purchases, similar to credit cards.
If you don't have any late payments, you won't get credit.
And Ant Chanting, Microparticle Loan, belongs to the loan, similar to the bank loan, credit loan.
Whether or not there is an overdue case, it will be on the credit card.
These two categories are different in nature, so the banks treat them very differently.
The credit card is an early consumer, the next month repayment, as long as you do not go to the installment, in essence, the borrower is not a financial crisis.
And the nature of online lending belongs to the borrowing, most of the six months a year of borrowing, installment repayment, online lending borrowing more, especially multi-platform borrowing, will be the bank that you have a problem with the financial situation, it is very likely that there are more than one platform borrowing from each other to tear down the East to make up for the West.
If it is a small online loan, such as a few thousand dollars, are frequent to borrow, will be considered chaotic management of funds, there is no stable source of income, will certainly affect the future of the loan, whether it is a mortgage or other commercial loans.
In this case, when you are going to ask the bank for a loan, the bank will definitely be very cautious so as not to be able to repay the loan.
Even if the online loan does not appear late repayment, the bank for the frequent use of high-interest online loans, but also very strict control, cautious, in the lending amount, lending interest rates will have special adjustments, in order to achieve better wind control objectives.
Strictly prohibit the use of online loans as a down payment for home purchases, i.e., go to the "down payment loan", which is a red line that can not be crossed.
People who have taken out a home loan in the last two years should know that if you still have a net loan that you haven't paid off, as long as there is a certain amount of money in the bank for a home loan, you will definitely be asked to pay back the net loan first.
You can see how strong the online loan is to kill the home loan.
Secondly, the use of online loans is too frequent, the bank in the lending time, the review will be more stringent, especially in the amount of home loans.
On the back-end, home loan approvals and condominium tracking are also very strict.
Home loans, as relatively low-interest loans, the bank will certainly minimize the risk, for the borrower's repayment ability requirements must be the most stringent review.
So people who have the idea of buying a house in the next few years must pay attention to their creditworthiness and try to avoid the use of online loans.
And credit cards, chanting, white, in principle, can be used normally, this kind of credit consumption, as long as not overdue, it does not affect the credit, but also can enhance the credit.
Many people only know the central bank's credit system, but do not know that the bank has its own set of standards for customer credit.
Banks will build their own databases based on the customer's financial history, credit card spending history, credit history, including the purchase of some financial products, and so on, as an internal credit reference system.
The central bank's credit system is very comprehensive and includes all credit information, including liabilities, guarantees, marital relationships, and so on.
One of the most important items is online lending, so online lending records are definitely on the credit, and one of the most important reference items.
The bank's own credit system and the central bank's credit system, both of which are very important in nature, can be said that the bank's internal credit is a plus, while the central bank's credit system is a must.
Many people don't realize how important credit is to them.
Some people may even feel that they have to borrow money, where there is still time to think about credit.
This is a typical poor person's mindset, thinking only about today and not caring about tomorrow.
A person who doesn't even have the intention to buy a house or a car is destined to be a loser.
Once there is a problem with credit, it is almost the same as saying goodbye to the formal way of borrowing, even if it is a formal online lending platform, which is now connected to big data, and the credit is overdue, it will not be able to lend.
Black credit, in the era of big data, will be difficult to move.
People have difficult times, and overdue loans happen occasionally.
The first thing to do when you have a bad record on your credit is to fix the problem first and pay back the loan instantly.
Generally speaking, short-term debt extensions, if the amount is not large, do not cause particularly big problems with credit as long as they are repaid.
Pay back the loan in the first place, explain the reason for the extension, and get the bank to issue a certificate that will not affect subsequent loans.
If there is a serious default, a longer period of time, or a larger amount of money, the impact on credit will naturally be serious.
Linking three and six is a red herring for credit.
The so-called "three in a row" is three consecutive months of delinquency, and the "six in a row" is a cumulative total of six delinquencies.
In this case, the bank must be 100% rejected.
In addition, the so-called credit repair is a scam and does not exist.
It takes 5 years to get rid of bad credit, and two conditions must be met at the same time.
1. Pay off all loans, interest, and penalties.
2. 5 years from the date of loan repayment.
The so-called credit record is automatically eliminated after 5 years, in fact, the problem is nonsense, the money should always be paid back.
1, credit cards, flowers, borrowing set repayment day reminders, money on time, no money instant installment.
2 Please be careful when borrowing from the Internet, as it's not always easy to find the best way to get the most out of your money.
3, reduce the number of cases of guarantee for others, to avoid others can not repay, affect your credit.
4. Check your credit once a year to make up for any problems.
5, if there is a late, as soon as possible to pay back the arrears, communicate with the bank to negotiate, explain the situation.
6, if there is identity theft caused by other people borrowing, the first time to find out, and then contact the bank to solve the problem.
Credit is no big or small, it starts with a little accumulation.
In the long run, it definitely has an impact.
I vaguely remember Jack Ma's line, "If the banks don't change, we'll change the banks". Since then, Alipay came out of nowhere, creating a huge wave in the payment system, completely breaking the traditional paper money payment system, and people began to generally accept mobile electronic payments.
With this, WeChat, Jingdong, Meituan, etc. began to play the idea of payment, such a big cake of course, can not let Ali alone, and now look at the mobile payment market, Alipay and WeChat payment is equally divided, Jingdong payment is mainly used in their own e-commerce site.
The traditional way of borrowing is to borrow from the bank, and then the bank started to launch credit cards, which is essentially a borrowing tool, and with the popularity of mobile payments, it can be used to borrow money from the bank, which can be used to borrow money from the bank. But there are some minor differences,louboutin pas cher, and these are similar to credit cards, this month's consumption of next month's repayment, only do not late repayment on the line, but Chanting and microcredit is a small amount of money, it is necessary to charge a certain amount of handling fees or interest.
We all know that the central bank has a set of credit rules, based on which everyone has a credit report. The first thing you need to do is to get a good deal on your own, and then you can get a good deal on your own, and then you can get a good deal on your own. The credit report is required for credit card applications, home loans, etc. The importance of the credit report cannot be overstated. The first thing that you need to do is to get a good deal on a new product or service, and then you can get a good deal on a new product.
At the moment, the chants and the white cards are not on the credit card, and it's not clear that the chants and the microcredits are on the credit card. But I'm sure that in the near future, these online payment channels will need to be on the credit card. So I suggest that you turn it off if you can, and use your credit card to pay for your daily expenses. Not only is it good for personal credit accumulation in the bank, but sometimes the bank will also engage in some installments of interest-free or lucky draw gifts and other activities, wool still have some.
Finally, imagine if you usually spend money on consumption is to go to Alipay or WeChat and other channels, did not let the bank earn you a penny, and when you need money to loan suddenly think of the bank, you think the bank will be smooth and easy to release money to you.
Being a professional manager with many years of experience in bank loans will definitely have an impact. Although your credit report is good, no overdue, debt is not much, but it is the use of a few chants or micro-particle loans such as pay-as-you-go online loans, will affect the bank's credit approval of you. The bank's credit requirements for customers are as follows:
1. Debt
Credit card usage cannot exceed 50 percent, and some banks are even stricter. Credit loans can not be more than two, especially can not have online loans or loans from small loan companies, the bank is more sensitive to these institutions, because the wind control will think that the high interest rate of these loans will make the customer become a risky customer, it is possible to be a loan for a loan.
2. The number of inquiries
Too many inquiries in the short term, such as loan approvals, credit card inquiries, will also affect. Because the wind control that short-term frequent applications for customers must be tight funds, and other institutions are not approved, that is there is a certain risk.
To be clear, it will definitely affect
Borrowing, particulate loans, Jingdong Jinjiao are connected to the credit. However, you will not be able to immediately see them on your credit card, and there will be a buffer period of about a month or so where your borrowing record will not be included in your credit card borrowing data.
These are small consumer loans, if you frequently borrow a small amount of money, that you do not have sufficient cash flow, the bank issued credit line before, will first access your borrowing record as a reference, borrow more, will think you lack of money, then naturally do not dare to give you too much quota for fear of not being able to pay.
They're not included in the credit record for the time being, and the two have been affected mainly by their respective platforms. The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do that on your own.
These platforms and the bank also line into a certain competitive relationship, the bank mortgage threshold is high, the small amount of lending almost no threshold, and even encourage you to borrow money, in order to develop the habit of borrowing money to consume, but the interest rate is very high, the annual interest rate can be up to 15% or so, 10000, borrowing a year of interest 1500 like.
Banks will be a little lower, the annual interest rate is about 10%, but it is not a good bird.
In the long run, young people who are thinking of buying a house and want to get a loan with a higher amount, are still careful to use small platforms.
Small platforms, such as chanting, gold bars, are suitable for emergency use. Who hasn't had an emergency, after all, it's really hard to borrow money these days.
If you don't have a lot of money to spend, you'll be able to get a lot of credit on your credit card.
Each is good in its own way, and the key is to be able to help everyone
How much you can do is how much you can do, and how much you can spend within your own financial means, so that you don't have to be tied down
Remember to live within your means!
It will, and with increasing impact.
Traditional loan credit inquiry content
As early as two or three years ago, the account manager for credit business to inquire about the customer's main information includes: credit report, blacklist, executor information, industrial and commercial information query, networking verification and so on.
And the most important basis is the customer's credit report, which mainly shows the customer's name, gender, identity card number, occupational information, marital information, social security and provident fund deposit information, credit card and loan applications, approval records and credit situation.
Since the introduction of the big data system by the bank to systematically evaluate customer information, online loans, consumer installments, flowers and other online borrowing and credit records are also included in the bank's credit system assessment, and the review and approval of the loan has an important role in guiding.Since last year, my company has accessed the big data information system, which allows you to check the creditworthiness of your customers, their contributions to the social security system and the public fund, the borrowing and use of the Internet, the payment of utilities, and the payment of communication costs.
Through multiple customer approvals, the rejection rate of customers who have had online lending and various types of installment consumer platform lending business is the highest.
Today, the bank's microfinance approval business has shifted from traditional manual approval to intelligent approval by big data systems.
The role of the account manager between loans is only that of a collector of information and a reviewer of authenticity. Big data systems play an increasingly important role.