There are many small loans, but the debt ratio is not high, and there is no overdue record, which will not affect users' application for bank loans. Banks have a high degree of record recognition for microfinance. Even if users often apply for small loans, as long as they repay on time, it shows that users have strong repayment ability and willingness, which will not affect the audit results of bank loans.

Of course, if the number of microfinance applications is too high, it may lead to the loss of credit information. Whether you can apply for a bank loan after the loss of credit information is subject to the reply given by the bank.

If you apply for small loans more often, will it affect your future credit?

There are too many times to apply for loans online, which is easy to have some bad effects. Three things are obvious.

1. Most online loans are connected to the credit information system. Whether the loan is successful or not, it will leave a record on the credit report. In particular, there will be many inquiry records of loan approval, which will make the borrower's credit information rich and colorful. If you need to apply for credit business in the later stage, it will be considered that the repayment ability is insufficient and the approval will be more strict.

2. Everyone's online loan amount is limited, and the loans already handled will occupy the total credit line. The more you borrow, the less money you can borrow in the future, and the loan interest rate will also rise.

3. Increase the difficulty of handling subsequent credit business. If all online loans are successful, outstanding debts will be counted as personal liabilities. Once the debt ratio exceeds 50%, if you plan to borrow money to buy a house or a car in the future, it is likely to be rejected because of multiple credit lines and high debt ratio. In particular, mortgage loans prohibit consumer loans from flowing into the real estate market, and banks will not accept online loans unless they are paid off and a settlement certificate is issued.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands and low interest rates are trustworthy. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

Will more microfinance affect credit reporting?

Too many small loans will not directly affect the personal credit report. Too many small loans indicate that the user's economic situation is not good, but this will not affect personal credit information. As long as users repay their loans on time, they can actively collect personal information. In addition, banks have a high recognition of the record of microfinance. As long as there is no overdue record, it will basically not affect the application for bank credit business.

Extended data:

If users frequently handle small loan products in a short period of time, the following consequences will occur:

1, turn credit into flowers. Many normal small loans are mostly products of banks or licensed financial institutions. Therefore, after submitting an application, users often inquire about their own credit report, and each inquiry will leave a query record of loan approval. However, if you often apply for small loans, there will be a lot of such records, which will lead to changes in the applicant's credit, which is not conducive to the approval of loans or credit cards.

2. Increase the repayment pressure. The micro-loan on the credit report must be repaid in full and on time, otherwise the user's personal credit will be affected once it is overdue. However, the frequent handling of small loans may lead to the gradual increase in the arrears that users have to pay, and it is difficult for users to improve their personal income, which leads to increasing repayment pressure and even the risk of overdue capital chain breakage at any time.

3. Form long-term loans. As long as micro-credit is credit, no matter how much it is, as long as there are more than three financial institutions lending on the user's credit report, it means that there is a phenomenon of multi-lending. Even if the user has been repaying the loan on time and in full, and then goes to the bank to handle the credit business, it is still easy to be rejected because of the suspicion of supporting the loan with the loan.