Yes, there is no overdue and it will not affect the bank loan.

Bank loan application conditions:

Borrower's requirements

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation and strength.

3. The borrower is over 70 years old.

Information to be provided by the borrower

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. Such as the borrower's business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From around May 20 10, 10, a foreign household registration must provide a tax payment certificate for nearly one year or a social security certificate for one year to prove that it works in Beijing.

The main function of personal credit investigation:

At present, it is mainly used in various consumer credit businesses of banks. With the continuous development of social credit system, it has been widely used in various commercial credit sales, credit transactions, recruitment and job hunting and other fields. , and the inquirer himself also provides an inspection mechanism to check and standardize his personal credit information.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Credit information of the above contents, Baidu Encyclopedia-

Second, how long can I borrow online loans after they are overdue?

It depends on whether there is a loan amount and whether it is judged according to the borrower's comprehensive credit conditions at the time of loan. 1, depending on the loan amount: if loans overdue pays off the loan, many platforms will recover the loan amount after loans overdue, and this kind of loan cannot be carried out until the loan amount is restored. However, the recovery time of the line is uncertain and the overdue degree is not serious. It is possible to recover it one or two months after repayment, depending on the results of system evaluation. 2. Look at the borrower's credit status: If loans overdue still has a loan line after paying off the loan, it is suggested that the borrower should spend at least one month to improve the credit status after paying off the overdue loan, such as using the platform function service to improve the account activity and maintain a good credit record. The key is to reflect his own consumption repayment ability, and he can use the bank card bound to the platform to spend more money. And don't apply for loans frequently during the period, wait for a month and then borrow them.

Three, overdue once, a few years after the loan.

Under normal circumstances, overdue loans are not serious, and the repaid loans will not affect your next loan. I wonder if you have paid off your overdue loan? But even if it is paid off, you have a record of overdue repayment in the bank, which will still have a certain impact on your credit. I suggest you keep a good consumption record to avoid overdue repayment.

If you apply for a loan again, the bank will review your personal credit information to determine your credit and determine the specific amount of the loan. You need to go to the bank to handle this, and the relevant bank staff will give you a more professional answer.

4. How long is the online loan overdue?

If the online loan is overdue, it will be paid off before the credit report, and you have not borrowed money from many platforms, then you can go to the bank for a loan.

If it is overdue for a long time, exceeding the time when the online lending platform last reported to the central bank for credit investigation, then if you have overdue records, the bank will not lend, and the time of each platform may not be certain.

If you often make online loans, the online lending platform will often check your credit information. If you go to the bank for a loan, the bank will think that you are short of money and have insufficient repayment ability, and will not give you a loan. Therefore, the online loan is overdue and the bank will not lend.