You can borrow money. There are many kinds of loans, including credit loans, mortgage loans, pledge loans and provident fund loans. If it is a credit loan, provident fund loan, etc. : The previous credit card is not overdue for more than 90 days, and the credit has remained good in the near future after overdue repayment, which will not affect the loan; In the past, credit cards were overdue for more than 90 days, and even if they were paid off, credit loans would be affected. Only a good credit record can be maintained, and credit loans and provident fund loans can be made after 5 years. If you want mortgage loan, pledge loan, etc. As long as the credit card is not maliciously overdue and has been paid off, the overdue credit card will not have much impact on mortgage loans and pledged loans, and mortgage loans can be made according to normal procedures.

Can banks still lend money when their credit is overdue?

1. Can I still get a loan if my credit history is overdue? If the credit history is overdue, it will have a negative impact on the loan application, but it may not necessarily fail the loan review, depending on the relevant regulations of banks or third-party financial institutions on overdue. Generally speaking, if the credit record is overdue for no more than 2 times, the bank will still handle the loan as appropriate, but the number of overdue times is accumulated for 6 times or more, and the banking system may not approve it. However, in the same overdue situation, third-party financial lending institutions will be relatively lenient, because different institutions have different tolerance for overdue. A relatively loose auditing institution, even if its credit history is overdue, will not affect the approval of the institution's lending. If the overdue times are less than the audit requirements of any financial institution, you can increase your own assets, such as real estate, vehicle driving license, etc., so that the audit pass rate will be greater. Or find a friend with a good credit record, good economic strength and fixed assets as a guarantee, which is also one of the considerations of lending institutions. Can I get a loan if the loan is overdue? Second, how to eliminate the overdue records of personal credit information can not be eliminated actively. However, according to the regulations, the retention period of personal bad information collected by credit reporting agencies shall not exceed 5 years. Generally speaking, the overdue personal credit records will be covered by new credit records after 5 years. It should be noted that this five-year period is calculated from the date when overdue debts are paid off, not five years after the date when overdue records are generated. Don't worry too much if there is an overdue record of personal credit information. If there are not many overdue records, the impact is generally small, and banks pay more attention to the credit information in the past two years. As long as there is no overdue record in the past two years, you can still apply for a loan or credit card.

Are there any overdue loans?

You can borrow money after the deadline. The credit requirement of most loans of banks and financial institutions to users is that there must be no three or six consecutive overdue loans in the last two years; At present, the loan cannot be overdue. If the borrower does not have the above situation, it only happens once in a while, and after verification by the bank, he has the opportunity to apply for a loan.

If the user is overdue at present, it is basically impossible to pass the bank loan approval. Only when the user settles the current loan and waits for 1-3 months to apply again can it pass the approval. Of course, a few financial institutions can accept the current application for overdue loans, because different lending institutions have different risk control, which needs to be approved by lending institutions.

In addition, it should be noted that the bank's housing loan approval is very strict with the applicant's personal credit review. Generally, as long as the user's credit report shows overdue records, the loan approval will not pass, so users must pay attention to repayment on time to avoid the impact of overdue.

Are there any overdue loans?

If there is overdue, as long as there is no credit report, you can theoretically borrow money. However, whether the loan can be successful in actual conditions depends on the loan regulations of various banks.

Different banks set different loan conditions. To apply for a loan from a bank, you must first have enough funds to repay the loan, which can be existing fixed deposits, funds, real estate, collectibles and other assets, or work income.

For fixed assets, it is necessary to issue an assessment report on the present value of assets in the relevant departments first. After the evaluation report is issued, the asset value evaluation report shall be submitted to the bank loan audit department together with the loan application.

For work income, you need to submit the loan application form and the proof of salary income to the bank. If the salary is paid monthly, proof of salary for at least half a year shall be provided.

When the repayment ability is high, the bank will relax the credit conditions of the loan applicant. However, the loan applicant must show the bank that his overdue reason is not positive. Under normal circumstances, as long as the number of loans overdue visits does not exceed six in two years, or there is no continuous overdue within three months, the bank will allow some loan applications.

Can I apply for a loan after my credit expires?

Not necessarily. General banks will judge whether to refuse loans according to the number and reasons of overdue repayment. The bank will review the following overdue repayments.

I. Current overdue situation

If the applicant has overdue repayment in the current month, the bank will not continue to approve it. Unless the applicant repays the overdue debt immediately, he must also provide a "repayment receipt" (deposit receipt).

Two. The applicant's history is overdue

Generally speaking, banks will not accept overdue for more than 6 times. However, if there are three reasons for overdue, banks will generally accept loan applications.

1, overdue due to bank reasons. Then the applicant can ask the original borrowing bank to issue a non-malicious overdue certificate.

2. I am overdue for more than 6 times, but the repayment at other times is very good, and I can provide the bank with an explanation of the non-subjective reasons for not repaying on time. I can try to apply for proof of non-malicious repayment from the original issuing bank or loan bank.

The overdue repayment occurred two years ago. For overdue cases that occurred two years ago, banks generally do not count the number of overdue cases of applicants.

Three, the applicant's continuous overdue times

Banks are generally reluctant to accept applicants who have been overdue for more than three times in a row. In practice, whether the loan can be approved is also related to the tightness of the overall national credit policy and the applicant's comprehensive qualifications, such as work, income, assets and so on.

Can I still get a loan after the deadline?

Whether you can borrow money after the deadline depends on the number and degree of overdue and whether you have paid off the overdue debts. For example: non-malicious overdue due to forgetting to pay the water and electricity bill. After discovering that it is overdue, actively repay the principal and interest in arrears, and then you can make a loan. However, those who refuse to repay the loan for more than 3 months will be included in the list of untrustworthy people, and financial institutions will not agree with their loan applications.

There is also a difference between overdue and light overdue. For example, if the repayment is overdue for a few days, not more than one month, this kind of overdue influence is relatively small. It is recommended to pay off the arrears for 2-3 times before repayment; Heavy overdue generally refers to the black account of credit information, such as three consecutive overdue times in two years, or the cumulative overdue times add up to six times, and there is little hope within five years after repayment.

In addition, overdue will generate higher interest, in addition to paying a certain amount of late fees. Overdue interest is usually calculated on a daily basis. If you don't pay it back for one day, the interest will be added to the total interest payable, and the interest will gradually accumulate, and the amount to be paid back will be very large.

Three months overdue will have serious consequences. The bank has a clear stipulation: if it is overdue for three consecutive months within two years, or six times within two years, then the overdue behavior will be entered into the credit information center system of the People's Bank of China, resulting in a bad credit record.