It will have an impact. Banks guarantee overdue loans, and reporting to the CBRC will have an adverse impact on banks. On the one hand, banks will be severely punished, including fines, restrictions on lending, and revocation of bank licenses. On the other hand, the bank will face a stricter review process for this customer to prevent similar overdue situations and increase the difficulty for customers to apply for loans. The supervisory committee refers to the China Banking Regulatory Commission. China Banking Regulatory Commission is a ministerial-level institution directly under the State Council, People's Republic of China (PRC), which is authorized to supervise and manage banking financial institutions in a unified way and safeguard the legal and steady operation of the banking industry.

The guarantee bank has been in loans overdue for five years, and the bank does not advocate collection. Can the guarantee liability be exempted?

Even if the guarantor is overdue, he still has to bear joint liability, as long as the borrower does not repay.

Can I apply for a mortgage if the loan is overdue? It depends on the specific situation.

If the credit is overdue, whether it can be guaranteed depends on the specific situation. Generally speaking, the bank will check the credit of the guarantor and judge whether the guarantor has the guarantee qualification from two aspects: personal credit and repayment ability. If the guarantor's credit history is overdue, the bank will decide whether it can guarantee according to the overdue situation. In case of overdue, banks generally will not agree to guarantee. The above is about whether the credit is overdue, and I can make a secured loan.

How to treat online credit reporting?

1. Users can query through official website, log in to the credit website of the People's Bank of China, and enter the login password to log in to the account. If there is no personal account, you need to apply for registration first, select the new user registration button on the webpage, and then enter relevant information according to the webpage display to register;

2. After successful authentication, log in with the registered account and password. After logging in, the operating system will remind the user to authenticate, select the authentication method, operate according to the reminder, select the report to be queried and submit the application;

3. After the user submits the application, the user's mobile phone will receive the SMS verification code, and the personal credit report can be found by entering the SMS verification code.

Can overdue credit information be saved?

If the user has the following conditions, the credit report can be saved:

1. Pay off the loan in time and clean up the credit information on time: If the user pays off the loan and keeps a good personal credit information record, the bad credit information can be cleaned up after five years;

2. loans overdue has a short time and a small amount: if the user is overdue for only one or two days and the amount is small, according to the regulations of the bank, it is generally not overdue, and the user can also negotiate with the bank and not report personal credit;

3. No charge can be deducted for the upgrade of the banking system: if the user repays the loan on the repayment date, the banking system fails to deduct the fee in time due to the upgrade, and the overdue period is not the user's personal intention, so he can apply for liquidation;

4. Bank error or bank credit card: When an individual is found overdue due to bank error or stolen credit card information, the user can apply to the bank for inquiry and submit relevant materials.

This article is mainly about whether the credit is overdue and whether the loan can be guaranteed. The content is for reference only.

The lender has overdue records. Can the guarantor still go to the bank for a loan?

As long as the sum of the guarantee amount provided to others, the existing loan balance and the loan amount to be applied for does not exceed your total credit line in China Bank, you can continue to apply for personal loans in China Bank.

The above contents are for your reference. Please refer to the actual business regulations.

What happens if the overdue loan is not guaranteed?

If the secured loan is overdue, the guarantor will be jointly and severally liable for repayment. After loans overdue, banks will calculate a lot of penalty interest, which will increase the repayment pressure of lenders and guarantors, and will also affect the credit of guarantors, and guarantors will also receive collection calls.

1. Default loan interest: after the bank loans overdue, the default interest and liquidated damages are very high, and the repayment pressure of the repayment person and guarantor will increase;

2. Bank collection: After loans overdue, if the borrower can't be contacted or the borrower doesn't repay, he will find a guarantor to repay, and the guarantor may receive a collection call every day;

3. Impact on credit information: If loans overdue, the credit information of both the borrower and the guarantor will be affected, and it will be more difficult to apply for a loan at the bank later;

4. Being banked: If the loan cannot be repaid, all the property of the borrower and guarantor will be required to be auctioned by force.

5. After the borrower pays off the loan, the loan guarantor will no longer bear the guarantee responsibility, and may reasonably ask the bank to issue a notice exempting the guarantee responsibility;

6. If the loan is not paid off, you can only ask the bank to cancel the loan, and the general bank will not agree. The guarantee relationship is a contract. If the other party does not agree, even if it is revoked, it cannot be terminated.

Loans overdue, the borrower's bank, I am the guarantor. Will personal credit affect it?

This should be analyzed in detail. If the guarantor's guarantee method is joint and several liability guarantee, then when the guarantor is unwilling to perform or fails to perform the repayment responsibility, his credit information will be affected. However, if the guarantor only makes a general guarantee, then if the borrower fails to repay the loan on time, the lender will dispose of its property in advance according to law. If the loan is not repaid, the guarantor will repay it, but in this case, the guarantor's credit will not be affected.

When you are the guarantor, the bank will generally ask you if you want to check the relevant contracts. At this time, you must carefully check the relevant details of the contract. You need to check the joint liability of the guarantor and ask the bank staff what your guarantee form is. If the contract you signed with the bank is a joint and several liability guarantee agreement, you will be liable for the repayment of this loan debt if the borrower is unable to repay it. If the contract you sign with the bank is a general guarantee contract, you need to explain to the borrower that once he is unable to repay, the bank will first liquidate his personal assets to pay off his debts.

Extended data:

What are the legal provisions for bank loans to provide guarantees?

According to the provisions of the Civil Code, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor shall perform the debt or bear the responsibility as agreed. The third party here is the guarantor, including legal persons, other organizations or citizens who have the ability to pay off debts on their behalf, and the creditors here are both creditors of the principal debt.

Guarantor's guarantee responsibility can be divided into general guarantee and joint liability guarantee. Joint liability guarantee refers to the guarantee that the guarantor and the debtor bear joint liability for the principal debt. Joint guarantee still has the subordinate nature of general guarantee. In the contract, the parties agree that when the debtor fails to perform the debt, the guarantor shall bear the guarantee responsibility, which is a general guarantee. General guarantee refers to the guaranteed debt that has no joint relationship with the main debt. General guarantee is a supplement. Where the creditor requires the guarantor to perform the guarantee obligation before the property of the principal debtor is executed first and has no effect, the guarantor has the right to refuse. This right is called the right of first appeal. The right of defense in the first action shall not be exercised under the following circumstances: first, the debtor's domicile has changed, and it is difficult for the creditor to ask him to perform his debts; Second, the people accepted the debtor's bankruptcy case and suspended the execution procedure; Third, the guarantor waives the above rights in writing. In a suretyship contract, when the parties agree that the debtor fails to perform the debt, the surety shall bear the suretyship liability, which is a general suretyship.

This is the end of the year to launch overdue loans and bank guarantees in loans overdue. I wonder if you have found the information you need?