1. If you don't repay the loan, the credit will be tainted, so the credit is for your better repayment. It will affect your future application for a loan to buy a house, buy a car and fly.

2. If the credit record is poor, it is a serious injury in the eyes of bank employees. Therefore, for the convenience of your future loan, please repay it on time.

3. Too many loans, especially small loans, have a serious impact on bank loans such as credit cards and mortgages in the future. This is not conducive to their own development.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

Is Ping An Bank's personal credit loan reliable?

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

Is credit loan reliable?

Generally speaking, this kind of credit approval is actually linked to the bank's words, which should be more reliable, depending on what your lending institution is. Generally, intermediary companies apply for loans in the name of banks, but the name of loans is banks.

There are indeed intermediaries who lend through bank channels. It is up to you to judge. If the normal loan is the four major banks, you need to go to the bank to sign the loan. Other small banks can submit the initial information in the intermediary company, but the contracted loan must also be in the bank! As long as you have the minimum judgment ability, you should have no problem!

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.

Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.

Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.

Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not. P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

According to the description in the General Principles of Loans, a credit loan refers to a loan that is not guaranteed and is only issued according to the credit status of the borrower. When granting credit loans, lenders must strictly examine and evaluate borrowers to confirm their credit status and repayment ability.

The original "General Principles of Loans" even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.

What aspects does personal credit information include? What is the impact on the loan?

1. What aspects does personal credit information include?

1. Personal basic information: including name, gender, age, work unit, contact address and other information used to identify individuals.

2. Bank credit: This project will list each credit card and loan business in detail, and show the past debt history of the loaned party. Credit institutions and credit banks often analyze consumers' behaviors and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness. This information is very important.

3. Non-bank credit: record the payment of consumers in communication, water, electricity, coal, etc., such as whether the mobile phone is in normal use and whether the public utilities are in arrears.

4. Objection record: When the respondents think that the contents reflected in the report are controversial, they can reflect them in this part by adding statements. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information.

5. Inquiry record: it is a summary of all inquiry records of an individual in the last 6 months. If there are too many inquiry records, and there is no record of issuing cards or lending during this period, the bank will feel that the qualifications of the parties being investigated are not good, which will affect the handling of loan applications and credit cards in the future.

So what is the credit report like, as shown in the following figure:

Second, the impact of personal credit information on loans:

1. Credit reporting agencies and banks judge consumers' repayment ability from bank credit on the basis of behavior, consumption preference and previous repayment willingness.

2. Within two years, the bank has been overdue for three consecutive times or refused to lend for six times.

3. Lenders with particularly good credit information (no overdue) can enjoy preferential interest rates for the first loan (some banks); If the credit information is not good, the bank will raise interest rates or refuse to lend according to the specific circumstances.

4. The total monthly payment of the old and new can't exceed 50% of the family's monthly income.

5. Too many times to inquire about personal credit information is easy to be rejected.

Ps: If there are too many inquiry records, and there is no record of issuing or lending during this period, the bank will feel that the qualification of the credit recipient is not good, which will affect the loan application and credit card processing in the future.

This content only applies to Beijing.

Is term loan good for credit reporting? If you don't know this, be careful to suffer.

In the credit society, personal credit investigation is a symbol of economic status. If the credit is not good, it will affect the handling of credit business. Moreover, many people establish personal credit by doing credit cards or loans, and many people will borrow money when they are short of money. So is formal loans good for credit investigation? Let me give you a brief introduction today.

Is term loan good for credit reporting?

At present, there are two kinds of loans: credit reporting and non-credit reporting. If you apply for a loan with credit information, you will leave a record on the credit information. If not, there will be no record. For example, often applying for loan credit information may not be good for credit information. Of course, some people may think that as long as the loan can be repaid on time, there will be no problem if it is not overdue, but this is not the case.

Frequent handling of loans will lead to multiple loan records in credit information and increase the borrower's debt ratio. In addition, there will be multiple loan approval records in the query record. If such people apply for large loans later, such as mortgages and car loans, they will be considered to be short of money and unable to repay, and they will be more cautious when approving, and may even be rejected.

For this reason, I suggest that you don't blindly lend money to make your credit information worse, otherwise when you really need to apply for a loan, you won't be approved, and it will be too late to regret it. If you plan to keep a credit card, it is recommended to use it. One or two credit cards can be used for daily consumption and life, and you can also enjoy an interest-free period. It is good for credit investigation to keep good card use behavior and repay on time.

The above is the relevant introduction of "whether term loans are conducive to credit reporting". In short, formal loans are not necessarily good for credit reporting, especially credit reporting loans, which can easily increase personal liabilities and make credit reporting spend, which is not conducive to any subsequent credit reporting business. In contrast, it is good to use credit card to support credit investigation.