Nowadays, cars have become just the need of many families, and it is relatively more convenient to have a car. However, buying a car in full is still a certain economic pressure for some people, especially those who have already borne a lot of loans. Then, if it is a good loan, will it affect the loan to buy a car? Let's get to know each other.

Does recruiting a good loan affect the loan to buy a car?

To apply for a loan with a good term, you need to check the credit information and repay the loan. If the loan has been settled, repaid on time and never overdue, a good credit record will help improve the borrower's credit score, and the lending institution can analyze the borrower's risk level more quickly and apply for a loan more easily.

However, if the following two situations exist, it will still have a certain negative impact on the loan to buy a car:

1. The loan is overdue.

Loans overdue will hold a meeting later to collect money, leaving behind overdue bad credit records. If you want to apply for a car loan, the cumulative number of overdue credit reports in the past two years cannot exceed 6 times, there cannot be three consecutive overdue cases, and the overdue time cannot exceed 90 days. If the overdue record of good loan falls into the above circumstances, the application for car loan will be directly rejected.

The amount of outstanding loans is very large.

Recruit a good term loan with a maximum loan amount of 200,000. If the amount of outstanding loans in the borrower's name is large and the debt ratio is high, and the borrower's income is average, it is difficult to meet the requirements of the lending institution. At this time, if you want to apply for a car loan, it is easy to be rejected by the lending institution or get a lower loan amount.

Whether the loan of recruiting good loans affects the loan to buy a car depends on the comprehensive situation of the borrower. If you have good credit information, high income and strong assets, you can still apply for a car loan smoothly without worrying about your repayment ability.

Does Zhilian Finance collect credit information? Does it matter (you'll know after reading it)

Zhilian consumer finance is a very popular lending institution in recent years. Borrowers can not only download the mobile loan APP online, but also pay attention to the application of WeChat official account, and can also submit a loan application through Alipay life number. But what many people don't know is that the credit information was collected at the Zhaolian Financial Conference and also on a pen.

First, the financial background of Zhaopin recruitment

To answer this question about Zhaolian Finance, we must first let everyone know about Zhaolian Finance.

Zhaolian Finance's full name is Zhaolian Consumer Finance Co., Ltd., which was established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission.

This is a consumer finance company. What does this mean?

Refers to companies that do not absorb public deposits and mainly provide consumption on the principle of small amount and dispersion;

There are quite strict supervision standards, which are directly supervised by the CBRC and have requirements for funded enterprises;

The CBRC stipulates that every applicant's loan needs credit, without exception;

2. What products does Zhaolian Finance have? Will you go to the credit bureau?

Zhilian consumer finance includes Zhilian good loan, credit payment and pocket money. Loan types include online credit loans, installment products, and college student loans.

It is worth noting that Zhaolian Finance is a consumer finance company, which is different from other private lending in terms of credit reporting.

Thirdly, the influence of recruitment finance on credit reporting.

Many people are worried that every loan of Zhaolian Finance will be granted credit, which will "spend" the credit, and the subsequent car loan and mortgage will be affected;

In fact, this problem does not exist, mainly because the overdue bad credit record affects the car mortgage;

If you borrow Zhaolian Finance, you will return it on time every time, which will not affect car loans, mortgages and credit cards;

For some "white households", having such a good credit record can increase a certain degree of integrity, but it is conducive to handling cards and loans.

Can I borrow money to buy a car if the recruitment is overdue once?

This is possible. It won't have much impact.

Zhaolian Good Term Loan is an online personal consumption loan platform built by China Merchants Bank and China Unicom Group Joint Venture Zhaolian Consumer Finance Company. Credit record is the reflection of financial institutions after reporting the borrower's debt service record to the credit information system of the People's Bank of China in accordance with the Regulations on the Administration of Credit Information Industry.

Will recruiting financial loans to buy a car or a house have a negative impact?

As one of the few licensed "regular troops" in the domestic consumer finance field, Zhaolian Finance has won considerable user support with the blessing of China Merchants Bank and China Unicom. But recently, many friends have asked, I heard that collecting credit information at the Zhaolian Financial Lending Conference will affect the future loan to buy a car and a house. Obviously, these friends haven't really learned about personal credit reporting, so let's see if it has any impact.

The so-called personal credit investigation is a neutral word. Such a report can be a clean and good credit record, or it can be a rotten credit stain, which is caused by our usual habit of lending and keeping promises. It is certain that the credit report will not affect the loan to buy a car or a house, but different reports will have different effects.

First of all, if you use credit cards and loans in a benign way and repay them on time, it can really prove your willingness to repay, and lending institutions are more willing to go to trial. Therefore, in the process of applying for mortgage and car loan, such a credit report is an excellent business card, which can gain the full trust of lending institutions and lend money very neatly.

Therefore, whether you make large loans in some banks or small loans on platforms such as Zhaolian Finance, you must repay them in time. If the credit is overdue, there will be much trouble in the future.

Looking back at the credit report, in addition to not leaving a stain, we should also be alert to the high debt record. After all, banks are afraid of users with high debts. Generally speaking, the debt ratio of 50% will say no to you, and some conservative ones even set it at 30%.

For example, if you hold too many personal credit cards, it is easy to be considered as high debt. This kind of credit report will make banks want to "avoid it", and it is naturally more difficult to pass the review of mortgage and car loan.

Except for Zhaolian Finance, all credit records that can be used as credit information will affect your own car and house purchase, but this influence is not all bad. A good record will help us realize our dream of RV more quickly. Of course, tainted and highly indebted credit information will become an obstacle. The fundamental solution is to pay attention to your own credit, rational consumption, take good care of your own life and the vital personal credit report.

(The material comes from Zhilian Finance)