According to bank regulations, a household is only allowed to have one loan of various types, such as buying a house, buying a car, and then you want to buy a house. Unless you pay off the loan, the bank will not bring it to you, but your loan should not be overdue, because there will be bad records after it is overdue. As long as any bank has this loan and this bad record will be automatically eliminated after 7 years, it is better to be punctual.

Causes, prevention and audit of multi-loan for one household

This year, the audit department of the union where the author works has completed a comprehensive audit of six grass-roots credit cooperatives. In the process of checking agricultural loans, it is found that each household has multiple loans, that is, many members of a family who have not separated from each other borrow from a financial institution at the same time. At most, XX Credit Cooperatives found that 15 households 3 1 person * * borrowed 349 1 10,000 yuan, which is not only a common phenomenon for one household to borrow two people at the same time, but also a rare phenomenon for one household to borrow three people. It can be seen that there is still a big market for multi-loan for one household, and even in some places there is a momentum of breeding and spreading. Most of these illegal loans have great credit risks and seriously erode credit assets, so it is very necessary to pay attention to and control them. The author analyzes that the borrower's relationship is nothing more than the relationship between husband and wife, father (mother), son (daughter) and husband and wife (daughter-in-law). There are two reasons for this phenomenon, that is, a small number of credit personnel deliberately broke up into parts, and a very small number of credit personnel seriously neglected their duties in the investigation process.