At present, loans are a common means to guide consumption in our life, but we must be cautious in lending, because some loans are collected by meetings, and the collected credit will affect our future life. What loans are used for credit investigation? In addition to the familiar bank loans, there are some small loans and joint loans. If you need a loan but don't want to go to the credit bureau, you must know the types of credit loans in advance. What loans are credit?

1, bank loan

Undoubtedly, all bank loan records will be uploaded to the credit information system, including consumer loans launched by banks, such as lightning loans of China Merchants Bank.

2. Joint loan

(1) Due to the limited funds of small lending institutions, they often lend money together with banking institutions. Because the loan funds include bank funds, such loans will also be submitted for credit investigation.

(2) For example, the funds before the upgrade of Alipay Ant Loan were provided by the small loan institutions under Ant Financial. After the upgrade, a number of banks were introduced to jointly lend money. In the loan interface, you can see that lenders include other banks such as Shanghai Pudong Development Bank, and then ants borrow money to start credit reporting.

3. Other loans

① Although some loans are not bank loans or inter-bank loans, they will still receive credit information. Before applying for a loan, you only need to pay attention to whether the loan contract and agreement at the bottom of the page are authorized to upload the loan records to the credit information system of the People's Bank of China.

② For example: Flash Bank, Qian Bao, Mobile Loan, Credit Wallet, Micro Loan, Borrowing Bank, Gold Bar, Gitzo, Bank of China Consumer Finance, Yin Bei Consumer Finance, Instant Consumer Finance, Baiqian Finance, Provincial Bank, Lacarra, Kaka Loan, 2345 Loan King, Zendai, Zhongan Credit, Pudding Small Loan, Doudou Money, Trust and Rich Cash Loan.

What is the impact of credit reporting on loans?

1, which affects the application for other loans or credit cards.

If the previously applied loan is uploaded to the credit record, the bank will see the personal debt in the credit record when applying for a bank loan or credit card again, and may refuse it on the grounds of insufficient repayment ability.

2. Affect the loan amount.

(1) If the previously applied loan is uploaded to the personal credit report, financial institutions will also consider the repayment ability of the applicant when applying for other loans, which will further reduce the loan amount.

2 If the loan application is overdue, the overdue record will be uploaded to the credit information, which will affect personal credit, and then the pass rate of applying for mortgage and car loan will be lower.

If you apply for a loan shortly before applying for a mortgage, it may affect the amount of the mortgage. It is best to pay off the loan first, then issue a loan settlement certificate, and then apply for a mortgage.