Can I still apply for a car loan after applying for 360 IOUs?
Car loans usually require a down payment of not less than 30% before the loan, but there is not much demand for the source of down payment. Usually, it doesn't mean that the bank card that provides the down payment will flow, as long as there is a down payment certificate. As for where the lender comes from, the down payment is not very real, and it is ok to borrow 360 yuan.
However, after the application for 360 IOUs is successful, the usage records will be reported to the credit information system, and the loan records of 360 IOUs can be found by checking the credit information of car loans. Although banks will not refuse to apply for small loans, they will still have some effects, mainly in two aspects.
1. repayment status: 360 If the loan can be repaid on time, it will help to accumulate good credit and promote the application for car loan. I am afraid that the 360 loan will not be repaid in time, the lender's credit record will be bad, and the bank's impression of the lender will be greatly discounted, which is likely to refuse the loan.
2. Amount owed: 360 The unpaid amount of IOUs belongs to personal liabilities. If the amount owed is relatively high, such as tens of thousands of loans, and the monthly amount owed is relatively large, and the personal debt ratio exceeds 50%, the bank may think that the lender's repayment ability is not very good and the funds are relatively tight, so it will be more cautious in approving loans.
The above is "Can I still apply for a car loan after applying for 360 IOUs?" . In short, you can still apply for a car loan if you apply for a 360 loan. As for whether you can come down, it depends on the bank's approval. If possible, try not to borrow a lot of money before the car loan, repay it on time and maintain a good credit.