After the customer chooses to upgrade the flower bud service, the flower bud may become a credit purchase. Although the name has changed, there is no difference in the use and repayment of flowers. However, after the flower garden is upgraded, the platform will begin to report the usage to personal credit information.
Does Bai Hua owe 30,000 yuan to affect the mortgage? Even if Bai Hua owes 30,000 yuan, it will still affect the mortgage. Even if Bai Hua is not overdue, once the bank finds that the customer has other debts that have not been settled, it will raise the requirements for the lender's income or ask the customer to settle other loans in advance.
Therefore, if you are not very confident about your income, then before applying for a mortgage, the lender had better pay off other loans before applying for a mortgage. The bank's strict review of mortgage loans can also increase the success rate.
Will all loan records be recorded? Not all loan records will be credited. Only the credit products related to credit investigation will be reflected in the credit investigation report after use. There are still many loan products on the market that are not allowed to grant credit. After the customer applies, it will not be found on the credit information.
As long as it is a credit product with credit information, whether the lender is overdue or not, the loan record will be reflected in the credit information report. Of course, as long as it is not overdue, the loan record will generally not affect the lender, which is considered as relatively neutral information.