Loan is the mainstream consumption mode at present, especially for large consumption, such as buying a house, a car and investing. But some time ago, there was a rumor that if the number of online loans increased, banks would directly refuse to lend, which made many people panic, especially those who invest in business. Because of the large amount of funds in circulation, online loans may often be needed. Then, will more online loans affect mortgages? How are bank loans audited? Let's have a brief look with Bian Xiao.

1. Will more online loans affect the mortgage?

Too many online loans may affect mortgage loans, although it will not directly affect mortgage loans. However, when inquiring about the personal credit report, it is necessary to fill in the reasons for the extraordinary inquiry, so that the bank can clearly see the borrower's online loan situation as long as it is opened. Generally, the more records of checking credit information from institutional loans, the more unfavorable it is for banks to apply for mortgages.

Second, how are bank loans audited?

1. Personal Basic Information: When applying for a loan from a bank, you need to fill in very detailed personal information, including personal address, work unit, personal contact information, basic income, etc. Pay attention to fill in the information, which is an important indicator of bank audit.

2. Bank running water: Many banks will require borrowers to provide running water accounts for the past six months. There are many channels from which banks can directly see the borrower's financial situation, including the borrower's monthly expenditure and income, including information related to transfer.

3. Personal financial resources: Many people think that personal financial resources refer to wages, but they are not. Even if the applicant's monthly salary is not high, if there are multiple assets under his name, it is within the scope of bank review. The more all assets, the better the loan.

4. Personal credit: This is an important indicator for bank approval. Generally speaking, it is difficult for borrowers with tainted credit information to obtain loans from banks. For example, in the case of "three consecutive times", the probability of being refused a loan is very high, so the bank will ask for a credit report.

Editor's summary: The above is about whether more online loans will affect mortgages and how bank loans are reviewed. I hope it helps you.

Does online loan affect mortgage?

First of all, answer directly.

Applying for online loans is not overdue and generally does not affect mortgages. If it is overdue, it will not leave a record of non-performing loans on the credit report, and the bank will not refuse to lend because of it.

Second, the specific analysis

However, if there are still outstanding online loans, it is necessary to be cautious in applying for mortgage loans, which may be regarded as high debt ratio by banks, thus raising the requirements for income flow.

The bank's review of mortgage applications is very strict. To successfully obtain the loan amount, the following conditions need to be met.

1, personal credit is good.

2. Personal income is stable.

3. The debt ratio is not high. 4. The developer is fully qualified.

5. The down payment was paid as required.

Therefore, in order to let the mortgage pass smoothly, before applying for a mortgage, other loans can be settled in advance to try to dispel the concerns of banks.

Of course, before you formally apply for a mortgage, you can prepare your own information, go to the bank for consultation, and see if your qualifications can apply for a mortgage, and how much loan amount you can apply for, so that you can know fairly well.

Internet hackers generally refer to those users who can't pay back on time or have bad behavior. It's easy to be listed as a cyber hacker. To judge whether they are cyber hackers, you can check in Winnie Hsin.

3. Does the bank have any acquaintances to approve the mortgage?

It doesn't matter whether you have acquaintances with the bank or whether the mortgage review is easy to pass.

The mortgage audit will be conducted by audit experts. Even if the acquaintance of the user is an auditor, the audit must be conducted in accordance with the procedures and standards.

After the auditor completes the preliminary examination, it must also be passed to the superior for review. The user's understanding of an auditor cannot affect the audit results.

As long as the user's credit qualification is excellent, complete loan information is prepared and meets the requirements of mortgage application, then the probability of passing the mortgage review will be higher.

Users who have acquaintances in the bank applying for mortgage can ask the acquaintances about the bank's mortgage-related regulations, so that users can make full preparations before applying, which can improve the probability of passing the mortgage review.

Whether a user can pass the mortgage audit depends on the audit results of the bank. Know that the bank staff can't help users pass the mortgage review.

Only when the user's own credit qualification conditions are excellent can it play a role in improving the audit pass rate.

There are many online loan application records, does it have an impact on bank loans?

In fact, whether online loans have an impact on bank loans mainly depends on whether the online loans you handle have credit. Some online loans will check credit information. If the number of online loans is large, the online lending platform will inquire once, and this inquiry record will remain in the central bank's credit report.

When you apply for a mortgage, the bank will definitely check the applicant's central bank credit report. If you see that the applicant has applied for many online loans, the bank will think that you are short of money. In order to avoid risks, banks may refuse to lend directly.

Moreover, there are many applications for online loans, and the amount of applications is still relatively large. Banks may also think that your down payment is borrowed through online loans, which will definitely affect the loan review. In another case, although the online loan is not overdue, it has not been settled, which will give the bank an illusion that your economic source is mainly through online loans.

If there is overdue behavior before, although the debt has been paid off, the bad record will still be kept in the central bank's credit report for five years, so it will also affect the loan approval within five years!

For online loans without credit information, don't take it lightly. Because online loans that do not receive credit information will also stay in the record of online loan big data. Now the risk control of banks is becoming more and more strict. At the time of approval, you can also check the applicant's online loan big data credit. The report or excellent data from the central bank's credit information clearly understand your online loan credit information and overdue information.

Extended data:

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

At present, more formal online lending institutions have access to the credit information system, so as long as online lending, credit information will leave relevant records. If there are too many times, the bank will definitely refuse the loan.

Up to now, 402 service agreement institutions, more than 200 training institutions and 10 1 institutions have accessed the data submitted by the credit information system. The credit information system includes 63.3 million personal information subjects and 654.38 billion credit accounts, covering five types of institutions from P2P and small loan companies to 654.38+08 city commercial banks and rural commercial banks at the end of 2065.438+08.

People's credit information is a very important database, which most online lending institutions need to access. The basic database of financial credit information is a credit information system built, operated and maintained by the Credit Information Center of China People's Bank. There are some standards and requirements for its access. At present, only traditional financial institutions, some small loan companies and some insurance companies can access this credit information system, and most online lending institutions do not.

References:

Xinhuanet -P2P online lending field will be fully connected to the credit information system.

Does the online loan record exceed 100 affect the mortgage?

Yes, of course. As long as your online loan has no overdue record, it is a normal loan application. No matter how many times you apply for online loans, it will not affect our application for mortgage. But if you are always overdue in the process of applying for online loans, then this situation will definitely affect our application for mortgages. In fact, with the popularity of network technology, many people may want to apply for some online loans when the capital turnover is not open. Mainly because the threshold for handling online loans is relatively low and the process is not particularly complicated. Generally, you only need real-name authentication, and then you can apply directly, so many people will apply for online loans. However, if you want to apply for online loans, you must apply from a formal platform. Don't go to those little-known platforms to apply for online loans, otherwise it will be easy to suffer. Secondly, if you apply for an online loan, you must repay it on time, because if your online loan is overdue, your credit history will also be recorded, so your life and work will be affected. In fact, the requirements of online loans are not particularly high. Usually, as long as all your previous loans are settled, you can continue to apply for the next loan. So in theory, online lending will not limit the number of our applications. Of course, if each of your online loans is settled normally, it will naturally not affect our credit information. However, in terms of safety performance, I personally prefer to go to the bank for a loan. Sometimes applying for a bank loan may be trivial, and a lot of materials need to be provided, which wastes a little time. But it is undeniable that it is getting safer and safer to apply for loans in banks. Of course, if you want to apply for a mortgage, you can only go to the bank. When applying for a mortgage, in addition to credit information, you should also look at our income certificate, because the bank needs this to judge whether we have the ability to repay the loan.