Whether the online loan is a credit report or not, as long as the lender repays the loan on time and there is no overdue repayment record, it will basically not affect the loan review.
If you buy a house with a loan, you will check the credit information for several months.
Generally, check the credit information in the past 24 months, and more stringent banks may also check the credit information in the next 5 years. Because credit reports are generally kept for 5 years, if there are overdue records within 5 years, you can find them. It is relatively difficult to apply for a loan if it is overdue for three consecutive months or six months within five years. In addition, if the number of credit inquiries exceeds 6 times in half a year, the bank may judge that the customer's qualification is not good, which will affect the approval of the loan or reduce the loan amount.
Will online loans or mortgages be rejected? It's easy to check personal credit information. It only takes two steps to find out:
1. Open the browser, search the Credit Information Center of the People's Bank of China, verify the problem after registering and logging in, wait patiently for the 24-hour verification code to be issued, enter the verification code to find your own short version of credit information, and only find the short version of credit information.
If the first way is troublesome, then the second way is simpler and more convenient. You can search through WeChat: Feiyu Quick Search, query, enter information and find your own credit data. This data comes from online lending platforms and UnionPay centers all over the country. Users can query their own big data and credit status, and obtain all kinds of index data, such as personal credit status, blacklist, online loan application record, application platform type, overdue amount, arbitration cases, information of untrustworthy people and other important data information.