When you go to the bank to apply for a loan, the bank will ask for credit information of the borrower. The requirements of bank loans for credit information mainly include the following three points:
1, see the personal credit inquiry record.
Lending institutions mainly look at the borrower's credit card and loan approval records. If there are too many credit inquiries in a short period of time, and the cumulative number of inquiries exceeds six in half a year, banks and other lending institutions will think that the borrower's capital chain is abnormal in a short period of time, and he is short of money in the near future, or the borrower's own credit problems lead to repeated refusal to lend, so it may be risky to continue lending to the borrower and refuse to lend.
2. Check the expired records
General lending institutions have the requirement of "three consecutive months and six consecutive years" for borrowers' overdue behavior, that is, they can't have overdue behavior for three consecutive months, and the cumulative overdue times in the past two years can't exceed six times. If the loan has been settled, a settlement certificate is required. It is best to inquire in advance and be prepared, because it takes time to open the settlement certificate. The requirements of different lending institutions may be slightly different, and the specific requirements of lending institutions shall prevail when applying for loans.
Step 3 look at the debt situation
General lending institutions stipulate that the borrower's debt ratio cannot exceed 50%, so the borrower should be clear about his debt before lending. If the debt ratio is too high, the lending institution will think that you don't have enough repayment ability and will reject your loan application to avoid credit risk. Therefore, before handling the loan, the borrower should have an accurate understanding of his own economic situation, such as his repayment ability, debt situation, how much money he can use every month and so on. And don't let the loan affect his normal expenses.
Requirements of bank loans for credit information
Major banks have strict requirements for credit reporting, but there are also differences. Take the following banks as examples:
1, China Construction Bank.
(1) default on loan principal or interest in three or more consecutive installments (inclusive);
(2) One repayment is due, and the loan principal or interest is overdue for more than 90 days;
(3) The customer's current status is overdue in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or has a bad record overdue for more than 90 days in the last 12 months.
In case of the above-mentioned serious breach of contract, CCB will directly reject the mortgage application.
2. China Industrial and Commercial Bank.
In the last 24 months, the current overdue time of personal consumption loans is ≥6 months; The current overdue time of individual housing loan in the last 24 months is ≥ 12.
ICBC also has high requirements for credit reporting, so please don't overdue for too long, otherwise it will be difficult to repair.
3. Agricultural Bank of China
Before granting loans to borrowers, borrowers are required to have a "good loan credit record and no outstanding loan principal and interest".
4. Bank of China
Credit history of credit card in recent three months, overdraft for one month after interest-free period, overdraft for two months after interest-free period 1, and overdraft for three months after quasi-credit card interest-free period. In either case, the approval will be directly refused.
Users are advised to check their personal comprehensive credit score and big data credit report in Eagle Heart before applying for a loan.
Extended data:
Bank loan process:
1. The borrower applies for a loan from the local bank.
2. The bank will check the borrower's credit.
3. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Banks should examine and approve loans in accordance with the loan management system of separation of loan examination and grading examination and approval.
5. After approval, the bank signs a loan contract with the borrower.
6. The bank issues loans on time according to the provisions of the loan contract.
What are the terms of a credit loan?
Credit loans generally refer to credit loans. Different lending institutions and platforms have different requirements, but the common general requirement is: 1. The applicant has good personal credit and no bad credit. 2. The applicant is over 18 years old. 3. The applicant has a stable job and sufficient repayment ability.
In order to ensure that the loan can pass the audit smoothly, users should ensure that their personal credit information is good in daily life. Usually, the bad personal credit information is caused by loans overdue, which should be avoided.
After handling the loan, you must repay it on time, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. And after loans overdue, the bank will collect it. The common collection method is to call the borrower and will always urge the payee to return it.
Personal credit information can be inquired through different channels, such as commercial bank outlets, China People's Bank Credit Information official website, and third-party platforms. It should be noted that users should not casually inquire about credit information at ordinary times, because every credit information inquiry will be recorded, and too many inquiries will also have adverse effects.