What you said is that the bank hasn't issued loans yet, which is no problem for you at present. In other words, as long as it does not belong to the normal loan process, the loan has not been transferred to your bank account at this time, which has no effect on your personal credit. However, the next time you apply for a loan, you will be reminded of the loan many times a month or so, and the bank will not pass. In fact, the bank is to prevent some individuals from defrauding bank loans. This has no other effect on your personal integrity.

: 1. The credit report includes: What you need to pay special attention to is your consumption in Alipay and JD.COM. However, if you borrow money directly from the platform, such as borrowing money, granular loans, gold bars and so on. It is an online loan. At present, these three platforms have been connected to the credit information system. It can be seen that the operating loans of e-commerce banks and Weizhong banks can be inquired.

If it is a credit card, the credit will get better and better if you borrow it and pay it back. But there are too many online loan records. When approving mortgage loans, banks may think that your income is unstable, you often borrow money online, or you have a bad habit of spending in advance, so you can't apply for a large loan. So the less online loan records, the better.

3. In addition to the loan, the credit report will also show your public information, which will be more and more perfect in the future, including the utilities and mobile phone charges you owe. If there is a subway ticket evasion record, it can also be recorded.

4. If you have a record of administrative violations, such as running a red light, it may also be shown in the credit report in the future. If they refuse to abide by the court's decision, they will definitely be regarded as Lao Lai and be blacklisted.

If the debt is still in dispute, the court has not yet made a judgment, and the judicial document has not been determined as the basis for execution, the other party has no right to upload it to the credit information system at will, and the credit information report will not be displayed. In general, we should pay attention to protecting our information security, standardize our words and deeds, and try our best to keep our promises within the time limit.

Does applying for a loan have an impact on credit reporting? These things must be clarified.

; ? At present, many loan platforms have borrowed the credit information system, which will leave a record on the credit information report. To this end, many people applied for loans and regretted the plan to cancel the loans. Then, does applying for a loan and not lending have an impact on credit reporting? There will be some impact, but it needs specific analysis. Today, I will give you a brief introduction.

Does applying for a loan have an impact on credit reporting?

First of all, you should know that many loans cannot be cancelled once they are submitted, and you can only look at the results of system approval. If the system fails to pass the examination and approval, the loan may not be cancelled, but if the loan passes the examination and approval and wants to cancel, you can only apply for early settlement. These two situations have different effects on credit investigation.

1. The loan did not come down: the loan will not be displayed in the credit record of the credit report, but it will be displayed in the inquiry record. Information such as loan approval records, inquiry records and inquiry time can be found in credit inquiry. For example, the loan approval record is a hard inquiry record, and too many times will cause a waste of credit information.

2. The loan has come down: the general loan will be displayed in the credit record and inquiry record. The query record also displays information such as query time and query organization; The credit record will show the loan time, lending institution, loan amount, monthly repayment amount and other information. If the loan is settled in advance, the loan balance will be displayed as 0, and the repayment status will be displayed as settled. Normal records will not disappear.

In short, applying for a loan will have an impact on credit reporting, but if the loan is not approved, as long as you don't apply for a loan or a credit card, the impact can be ignored. If prepayment is made, the credit record will not be eliminated, and it may be recorded as a special transaction record because of prepayment, which is not conducive to subsequent loan cards.

Half of the mortgage loans were converted into commercial loans. What will be the impact of not lending?

Half of the mortgage loans were converted into commercial loans. What will be the impact of not lending?

1.

Enter the blacklist of credit information. For the problem of non-repayment or default of mortgage, the bank will first urge the borrower to repay, and those who fail to repay within the time limit will enter the blacklist of credit information. It is impossible to apply for any loan from the bank again within five years after entering the blacklist, which seriously affects personal loan consumption.

2.

The property was auctioned off. Sometimes in TV series, after the company goes bankrupt, his house will be auctioned or sold by the bank, which is also the case in reality. There are only two situations for people who break the contract: one is that there is no capital turnover, and the other is that there is really no capital. In these cases, the bank will confirm first. If the lender takes the mortgage bank as the guarantee, the bank will auction or sell the mortgaged property publicly. Of course, the proceeds from the auction will be used to repay the outstanding loan of the lender. If there is any surplus, the bank will return the remaining money to the lender. If the auction proceeds are not enough to repay the loan, the bank will freeze the borrower's bank deposits and even bring a lawsuit to the court to repay the bank's losses in various ways until it is paid off.

3.

The repaid mortgage cannot be recovered.

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Can I cancel the loan? Be careful of these influences.

; ? There are so many loan channels now that many people don't need to borrow money from relatives and friends. They can choose banks and loan companies to apply for loans. However, when applying for a loan, you should consider it carefully so as not to regret canceling it. Although some loans can be cancelled, there will be various consequences.

I. Bank loans

There are many loan products owned by banks, including mortgage loans, installment loans and credit loans. In order to prevent the lender from maliciously applying for a loan, some systems for canceling the loan will be put forward, and then the system will be followed.

Some bank credit loans, as long as they enter the review or lending process, can basically not cancel the application, and can only wait for their own review to fail. Once approved, we need to see whether they support prepayment, otherwise we will pay liquidated damages.

Moreover, banks generally will not refund part of the handling fees paid by lenders during the application process, which will inevitably lead to some losses. Everyone can consider it comprehensively.

Second, mortgage and car loans.

It can be cancelled, but the mortgage and car loan need a down payment before the loan, because it is necessary to provide the bank with proof of down payment. Pay attention to this. Even if the loan can be cancelled, if the contract has been signed, it is a unilateral breach of contract by the lender, and the down payment may not be recovered. If a refund can be made, the liquidated damages will be paid according to the contract.

Third, the guarantee company loan

This kind of loan should sign relevant contracts in advance and pay a deposit to the intermediary company. If the lender abandons the loan halfway, it is a breach of contract, and this deposit cannot be refunded, and there may be a contract agreement that the cancellation of the loan requires payment of liquidated damages.