You should check the credit information of bank loans. If the personal credit is good, there may be preferential policies for loans when applying for loans. If an individual is in arrears with the annual fee or overdue once or twice, he can also get a loan after explaining the reasons to the bank. However, if the personal credit information is seriously damaged, he may be directly refused by the bank, so the personal credit information report has a great impact on the loan.
2. What aspects does the bank loan audit include?
1. The first condition for bank loan review is the borrower's personal situation. If the borrower fails to fill in the real information, the bank will directly refuse the loan after finding out, so it is necessary to fill in the real and effective information, including the work unit and financial situation.
2. Bank running water is an important reference index for banks to review loans, so many banks will ask borrowers to provide bank running water bills for nearly half a year, and then confirm the actual economic situation of borrowers according to the bill details. If they can't pay their monthly payments, most of them will be refused loans.
Personal financial resources will be taken into account by banks, which is different from the flowing water of banks. If there are many properties under the borrower's name, the bank will relax the loan according to the actual situation when the borrower applies for a loan, but the premise is that these properties are not mortgaged, otherwise it will also affect the loan.
4. Personal credit investigation is an important aspect of applying for loans. If the credit is not good, you can negotiate with the bank. However, if the credit information is seriously damaged, for example, if it is not returned for three or three months or accumulated for six months, it will be blacklisted and refused directly.
With the development of market economy, enterprises, companies or individuals have a growing demand for loans, but there are still many unclear places for us ordinary people. The following summarizes some basic financial knowledge of loans for everyone to learn from each other.
Loans seem to be a very simple matter, that is, borrowing money from others and then paying back the money with interest. In fact, loan is a very professional technical job. If you don't know some financial knowledge, it's easy to get a loan that is not what you want.