1, Shangxin Online Loan:
Online loans with credit information will check the credit information before application and leave a record of inquiry. This is a hard inquiry, which proves that you have recently applied for loans frequently, which will have a certain impact on the mortgage review. If you check too much, your financial situation will be very poor, and the bank will suspect that you are short of money.
Being investigated more than three times in a month has more or less influence on the mortgage, and the repayment ability cannot be guaranteed. Therefore, before applying for a loan, it is best for general users to check their credit big data in the Green Dog Quick Check and Eagle Heart Quick Check. The higher the comprehensive score, the better the credit.
2. Credit card cash installment and bank consumption loan:
In fact, the interest rates of these products are not particularly low, but it is relatively friendly to apply for products from banking financial institutions, and banks can also check your liabilities through credit records and bank running water. As long as the monthly income can withstand the pressure of repayment, it is easy to get loans.
3. Repaid online loans:
Although it is said that applying for too much credit information for online loans will affect the mortgage, the online loan records have little impact on the mortgage, and the online loans that have been repaid have basically no impact. If the repayment pressure of the online loan being repaid is too high, it will have a certain impact.
4. The impact of overdue online loans is very great:
The most important information in credit records is overdue records (credit cards, housing loans, auto loans, consumer loans, etc.). ), and the other is the housing loan record. If three consecutive overdue times are accumulated for six times, the bank will directly refuse the loan.
Extended data:
What problems should be paid attention to when handling mortgage loans?
1, need to pay attention to credit. The mortgage application is very strict. Generally speaking, it is difficult for people with bad credit records to successfully apply for mortgage loans.
2. Pay attention to the reasonable choice of mortgage term. Although the term of bank housing mortgage loan can be as long as 30 years, you must choose a reasonable term according to your income.
3. Pay attention to whether there is enough repayment ability. The most important repayment ability of mortgage is bank running water, so what are the requirements of bank mortgage for running water? Generally speaking, the bank flow with relatively stable income, continuous bank flow at a relatively fixed time every month and high income are the most suitable. As income from wages, it would be better to donate to public accounts. The balance in the bank running water is not important, but try not to make large transfers at a fixed time every month. For example, if wages are paid on the 8th of each month, they will be paid in full on the 9th of each month, which will affect the assessment of repayment ability. If there are multiple bank cards, it can provide the most ideal bank card running water, and it can also provide multiple bank card running water bills to lending institutions at the same time.