2. The degree of default depends not only on the loan default and credit card default in the credit report, but also on the external guarantee default, that is, whether there is external guarantee compensation and whether it is compensated by the guarantee institution.
3. Comprehensive evaluation and review of non-credit information. Include basic information, public information and inquiry information.
Among them, basic information, such as occupation information, age information, residence information, education, marital status, etc. In the bank credit scoring system, the scores of applicants vary greatly because different basic information reflects different risk levels, such as age. In terms of credit access conditions, many banks will stipulate that people over the age of 18 and those under the age of 60 can borrow money. But in practice, although this condition is met, the closer the borrower is to 18 or 60 years old, the lower the possibility of obtaining a loan.
Steps for individuals to borrow money from banks:
1. Loan materials should be prepared in advance before lending to the bank, generally including: loan application form, borrower's valid identity certificate, borrower's household registration book and income certificate. If married, relevant certification materials shall be provided; If you are unmarried, you should provide relevant materials such as proof of unmarried; If a mortgage loan is selected, a mortgage property certificate shall also be provided; Credit loan customers should provide good credit records.
2. Submit the application, prepare the relevant application materials, and then you can submit a loan application to the bank. After the bank approves it, you can sign a loan contract with the bank.
3. Loan review. If you choose a mortgage, the bank will conduct a preliminary review of the loan application submitted by the customer. If the loan requirements of the bank are met, the bank will approve the loan again. If it does not meet the requirements of the bank, the bank will return the relevant loan materials you submitted.
4. Go through the relevant legal procedures. If the mortgage loan customer needs to register the mortgage in the bank, it will be convenient to inquire later. In addition, if the customer agrees, he can entrust a law firm to handle insurance and notarization.
5. Finally, the bank lends money. What you need to know here is that after you get the loan, you must repay the relevant money on time to avoid other serious influences and troubles.