The ant loan will affect the bank loan, and the record of the ant loan will be sent to the credit information of China People's Bank simultaneously. If it is seriously overdue, such overdue records will be reported to the central bank's credit information system. In other words, if the loan project is used on the Internet and is seriously overdue, it will appear in the credit report and affect personal records.

Whether it is Alipay's "borrowing" or WeChat's "micro-loan", if you apply for a loan too many times and fail to repay it on time, you may be questioned when you apply for a loan in the bank.

Commercial banks pay attention to three points when issuing loans: whether the credit record is good, whether the collateral is sufficient and whether there is a stable source of repayment. Bank credit approval must first check personal credit information to see if your credit record is tainted, spotless, mortgaged and has a stable source of repayment, and it can basically pass.

Can I get a loan from the bank after using ants?

When the repayment record is good and the loan has been settled, the use of ant borrowing will not affect the bank loan.

Ant lending is a loan product, which is connected with the credit information system. Consumers' use of ants to borrow money will be recorded in their personal credit report as consumer loan records.

In other words, if there is overdue repayment on the ant loan, the ant loan system will report the overdue record to the central bank for credit investigation, leaving a bad credit record on the overdue person's personal credit report. When the bank approves the loan application, it will check the borrower's personal credit information.

At this time, because the borrower's credit report has a bad credit record, the bank will be more cautious in approving the loan. If the overdue situation is serious, the loan application will be rejected.

In addition to overdue repayment will affect bank loans, large loans will also affect the bank's approval of loans.

Because ants can borrow up to 300,000 yuan, some users may have applied for large loans. If you go to the bank to apply for a loan when the large loan applied by ants has not been paid off, it will have a certain impact on the approval of bank loans. The bank will doubt whether the applicant has enough financial ability and repayment ability.

Therefore, people who have not paid off a large loan on the ant loan are more likely to be rejected when they go to the bank to apply for a loan.

Does borrowing money from a loan affect the loan?

If the loan on the loan can be paid off on time, it will generally not have a serious impact on handling the loan. However, if users borrow too much in a short period of time, they may also be refused loans by banks.

There are basically two reasons why banks refuse individuals to apply for loans: first, borrowers are unable to repay. Banks are profit-oriented companies, not charities, and attach great importance to business risks. Banks will not issue loans (such as mortgage loans) to borrowers with poor repayment ability unless the borrowers have equivalent collateral. The other is the lack of good credit, which is easy to understand. If the borrower fails to repay the loan in time, it will cause economic losses to the bank, so the bank will not provide loans to customers with low credit rating.

If you want to apply for a loan, you should try to stop borrowing from it about half a year before you are ready to apply for a loan, because it is easy for banks to refuse to provide loans because there are still loans on their credit information, so sometimes borrowing will also affect individuals' handling of loans.

Because Sesame Credit is connected with the personal credit of the bank, it will be collected at the meeting when it is overdue. Once loans overdue, it will affect the future loan application. Before using the loan, you must pay attention to your repayment ability to avoid overdue.

Will the use of loans affect bank loans?

If the user applies for a loan, but repays it on time in each installment, it will not affect the bank loan. On the contrary, the record of timely repayment will help users pass the bank loan review. However, users have overdue records and received credit information during the loan period, which will affect users' application for bank loans, because poor credit information cannot pass the bank loan review.

Therefore, the loan itself will not affect the user's application for bank loans. The key point is whether there is a record of overdue loans. Once there are overdue records, it will affect the subsequent application for credit loans.