After borrowing a long loan, it is usually difficult for borrowers to get a loan smoothly, especially if they apply to the bank, which may be rejected. After all, the bank may suspect that the borrower's economic life is unstable, the debt is too high, and the borrower can't repay on time because of long-term borrowing.

This also applies to other formal lending institutions. If customers still want loans, they can try to apply for online loans on an online lending platform that does not have very strict requirements for long-term loans. There may be opportunities to borrow money, or you can make mortgage loans, but the risk of long-term loans lies in high debt. If you can provide collateral, institutions will be more willing to lend.

However, it is suggested that customers should not apply for loans in a short time, but try to pay off part of their loans and maintain their credit. When the debt is almost paid off, the debt ratio has been reduced and the credit status has improved for some time. If you try to apply for a loan, you may have more loan options and a greater chance of success.

A survey of small and micro enterprises shows that 72% of them don't know much about the impact of multi-platform loans on credit, and think that multi-platform loans will be fine as long as they are repaid on time. In fact, the overdue rate of long-term loan users is three times that of ordinary users. In the eyes of financial institutions, long-term loans are a high-risk behavior, and banks will lower the credit evaluation of long-term users, who are likely to be limited by the loan amount, which will affect housing and auto loans.

How to avoid the harm of long-term lending?

1. The overdue risk of loans from more than three platforms is three times that of ordinary operators. With each additional platform, the overdue rate will increase by 32%.

2. 40% of the reasons for refusing to provide loans to people who have never been overdue are related to long-term loans. Long-term loans are an important reason why it is difficult for small and micro enterprises to obtain loans.

3. At the same time, the number of borrowing institutions should not exceed 5 as far as possible, and it is best to control it below 3.

4. The number of credit inquiries in the fourth and third months shall not exceed six times, and too many inquiry records are easy to be judged as long-term loans, with high potential risks.

5. The monthly repayment of operating loans shall not exceed 50% of the monthly running water, so as to avoid excessive debts and shortage of funds.

When can the risk of long-term borrowing be eliminated? This is the way to improve credit reporting!

In the process of applying for a loan, it is likely that one aspect will be rejected if it does not meet the requirements, and multi-head lending is a dangerous situation. Some users have asked when the risk of long-term borrowing can be eliminated. Then let's briefly talk about this problem for everyone.

When can the risk of long-term borrowing be eliminated?

Long-term borrowing means that users have applied frequently. Generally speaking, the platform judges that there are long-term lending behaviors within 1 month. After such risky behaviors exist, users should properly keep their credit information. Under normal circumstances, you can apply again after three to six months, and be careful not to handle other credit business during the credit period.

The most direct risk of long-term loans is that users' current credit status is poor, so they have not been approved, so they have to apply continuously, or the current funding gap is large. In either case, considering the repayment problem in the later period, the platform will refuse because of the high risk.

It is suggested that users should have a plan when handling credit business, and do not apply for more than one at a time, which will not help the success rate of the next paragraph, but will have a negative impact. If you are worried that the approval will not come down or the quota is not enough, you can find a suitable platform, or apply for the next one at regular intervals, and the success rate will be higher.

The above is the answer about "when can the long-term loan risk be eliminated?" I hope it will be helpful after reading it. Generally speaking, users can keep their credit information for 3-6 months, so the impact is relatively small and they can apply for credit business again.

How long can I apply for a loan again after the loan handled by the Agricultural Bank of China is settled?

Three months. Under normal circumstances, you can't apply for a loan for one to three months after the loan is settled. If you need to apply again, you should check your personal credit record first. If you have a bad credit record, you can't pass this time. Another problem is not to apply for loans many times. If you apply for a loan many times, the general bank will relate the information. Sometimes they think you may have a malicious loan, so they won't approve it. Under normal circumstances, you can apply for a loan again in about three months. If the credit is good, no problem.

1. Financial Wisdom Gold is the cash installment of Guangfa Credit Card. Reserve fund, that is, financial fund, is a credit card service that provides cardholders with overdraft transfer and installment repayment. Cardholders can apply to our bank to borrow a sum of cash in advance and pay a certain fee for monthly installment repayment, that is, overdraft and cash withdrawal installment repayment business. After the application is successful, the bank will deduct the amount not exceeding the total credit line from its credit card by overdraft and transfer it to its designated domestic bank settlement account with the same name. Color fat gold can be divided into ordinary color fat gold and exclusive color fat gold. Ordinary wealth management funds can be divided into 3/6/ 12/ 18/24 periods, and the corresponding processing interest rate of each period is 0.95%/0.75%/0.75%, and the annualized interest rate is 17.02%/ etc. Exclusive (large) financial intelligence funds can be divided into 6/ 12/ 18/24/36 periods. The corresponding treatment interest rate for each period is 0.8%/0.7%/0.7%/0.75%, and the annualized interest rate is16.27%/15.16%/15.36%//kloc-respectively. Handling fee for each period = approved payment amount * benchmark handling fee rate for each period, which will be deducted on schedule.

2. Issuing reserve fund is a financial intelligent fund project of Guangfa Bank, which roughly means to borrow a sum of money from the bank and remit it to the bank designated by the customer (it seems necessary), that is, my own domestic savings account. Guangfa bank is free, and other banks will charge remittance fees), and then use Guangfa credit card to repay in installments. In addition to repaying the principal, a handling fee of 7.5% of the total amount is required for each installment.

3. China Guangfa Bank has 65,438+05 tier-one branches, 35 tier-two branches and 6 directly affiliated branches, as well as Macao branch and Hong Kong representative office, with more than 500 outlets, and has established correspondent bank relations with the following institutions. There are 965,438+07 banks in 83 countries and regions around the world, initially forming a pattern of large-scale urbanized commercial banks. According to the ranking of global 1000 banks set by the British "Banker" magazine, Guangfa Bank has been selected as one of the top 500 banks in the world for four consecutive years.

4. The business scope of Guangfa Bank is all banking business stipulated in the Commercial Banking Law, which mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting as an agent for fund collection and payment and insurance business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange loans; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling foreign currency securities other than stocks; Issuing and acting as an agent to issue foreign currency securities other than stocks; Self-operated and agency foreign exchange transactions; Acting as an agent for issuing and paying foreign credit cards; Offshore financial business; Credit investigation, consultation and witness business. Other businesses approved by the People's Bank of China and China Banking Regulatory Commission.