Supplementary information:
1. The online loan is not repaid but not overdue. Whether the bank loan can pass the audit depends on the repayment ability of the applicant and the debt ratio under his name. If the repayment ability is sufficient and the debt ratio does not exceed 50%, you can apply for a bank loan.
2. If the online loan is overdue and it is a formal online loan platform, the borrower's credit information will be blacklisted. In this case, there will be no personal credit problem. Personal credit information is blacklisted, and it is impossible to apply for a loan from the bank with personal credit information.
Extended data:
First, the loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Second, the loan application materials:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
III. Calculation method of bank interest:
1. The deposit and loan interest rates are uniformly stipulated by the state and announced by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal in a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.
2. Three kinds of interest rates can be converted, and the conversion formula is: annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
3. Basic formula for calculating interest. The basic formula for calculating the interest of savings deposits is: interest = principal × deposit period × interest rate;
4. Interest rate conversion, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days)