You can apply at the same time, and there may be a certain time lag when applying for a loan. For example, if two companies check your credit information at the same time, your debt ratio will be lower because there is no other debt on the credit information. Under the same conditions, it is better than applying for a loan in another bank after you have borrowed money from one bank. However, there may be a situation that needs your attention:

The first type: the loan may be approved and successful. If you apply for loans from two banks at the same time, there is no problem. If you apply for loans from four or five banks at the same time, every time you apply, there will be a corresponding credit inquiry record on your credit information, and the reason for the inquiry is "loan approval". Think about it. What would you think if you saw a person applying for loans from several banks at the same time in a short time? From the point of view of a credit manager, this customer is extremely short of funds. From the bank's point of view, if you are short of a small sum of money, I can lend it all to you; If you are short of money, I can lend you half; But if you are desperately short of money, I'm sorry, I won't lend it to you. Because, at this time, your financial situation has already had problems. From the perspective of risk, it is unlikely that the bank will approve it. So, if you are lucky, there may be several financial institutions that have relatively loose audit requirements to lend you money. However, it is also possible that all institutions refuse to lend.

Second: the loan has been approved successfully. For example, if you apply to three institutions at the same time, they are all successfully approved. So, have you ever thought about how to pay back the money when it is due? Even if you finally succeed in repayment, when you reapply for a loan the next year, these banks will see your loan records from your credit information, and the time difference is not long. What do you think the bank will think? There is a great possibility, that is, first, there is a feeling of being cheated, and the customer did not tell me the truth; Second, I have to be vigilant and don't be cheated by customers again. I was careless last year. Fortunately, there is no risk. I have to investigate clearly this year. Third, will he borrow money from other banks at the same time without telling our bank about his application this year? Even if there is an estimate, he won't tell the truth. I'd better check according to what he has. Fourth, he was eligible to borrow 500 thousand last year. For these loans due at the same time as shown in his credit report, it is estimated that it is impossible to renew the loan in one of our banks this year. In order to control the risk, let's halve the quota. Therefore, applying for loans from two banks at the same time may be successful in the first year, but there is a great chance that the amount will be reduced or even the two banks will refuse to lend at the same time in the second year.

Can I borrow money from two banks at the same time? Yes

As long as it meets the conditions of bank loans, loans can be made in both banks, but there are two things to pay attention to:

(1) Bank loan depends on personal debt ratio. If the loan amount in the previous bank is large, the loan amount in the second bank may be discounted;

(2) If the mortgage loan method is adopted, and the same suite, car or other collateral is mortgaged at present, it is very difficult to apply for a second loan from them.

There will be no conflict between the loans of the two banks, but the subsequent repayment will be inconvenient. It is suggested that if you have a house and a car, you can use the mortgage loan process directly. The higher the amount, the lower the interest rate. If not, you can go to several banks to consult about loans and choose the best one.

Extended data:

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The policies and measures formulated by commercial banks to guide the loan business in order to achieve their business objectives are also the specific policies and measures taken by commercial banks to implement the three principles of safety, liquidity and profitability. The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision.

People's Network-Jianghu: Apply for a "portfolio loan" from a number of banks, each of which can raise 2 million yuan.

Can two banks apply for loans at the same time?

Loans can be applied at two banks at the same time. Applying for loans from two banks at the same time may be suspected of multiple loans, reducing the loan approval rate. Users can apply for a loan first, and then apply for a loan after the loan review results come out, so that the loan review pass rate will not be reduced. Of course, users have excellent credit qualifications, and it is also possible to apply for two loans at the same time.

Users can apply for two loans at the same time, but this is generally not recommended. Please apply for a loan according to your repayment ability.

Can I borrow from multiple loan platforms at the same time?

Yes, but every platform has a risk control audit, which generally checks whether there is any foreign debt. If you can repay it according to the regulations and you have enough proof and credit, you can also make multiple loans on a P2P platform.

Twelve forbidden behaviors of P2P.

(1) Using the Internet platform of the institution to finance itself or its affiliated borrowers;

(2) directly or indirectly accepting and collecting the lender's funds;

(3) Providing a guarantee to the lender or promising to protect the principal and interest;

(four) to publicize or recommend financing projects to unregistered users of the real-name registration system;

(5) Granting loans, except as otherwise provided by laws and regulations;

(6) Time limit for splitting financing projects;

(seven) sales of bank wealth management, brokerage asset management, funds, insurance or trust products;

(eight) in addition to peer-to-peer lending as stipulated by laws, regulations and relevant regulatory provisions, any form of mixing, bundling, investment agency, sales agency, promotion and brokerage business with other institutions;

(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;

(ten) to provide information intermediary services for financing investment in the securities market;

(eleven) engaged in equity crowdfunding, in-kind crowdfunding and other businesses;

(twelve) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.

Extended data

Platform risk control

risk control

From the perspective of risk control, most P2P peer-to-peer lending platforms do not work hard on the risk control of the project itself, but provide guarantees by themselves and third parties. The main risk management modes include mortgage guarantee mode, risk reserve mode, insurance mode, technical means to avoid risks and credit enhancement means.

At present, the pricing model of P2P peer-to-peer lending platform in China is still being explored, including risk pricing, cost plus and bidding pricing. In practice, in order to enhance its popularity, P2P peer-to-peer lending platforms often charge borrowers, charge investors little or no fees, and even provide investors with various subsidies.

Finally, P2P peer-to-peer lending platform can retain funds in the form of "fund pool" mode, third-party payment custody mode, large bank account depository mode and strong depository mode. However, the platform that signed the fund depository agreement with the bank accounts for a very small proportion in the normal operation platform.

Baidu Encyclopedia -—p2p