loan on mortgage/security

Second, the loan app that does not need credit information

At present, more formal loan platforms need to inquire about personal credit information. Loan apps that don't need credit information are: 1, money shopkeeper; 2, the era of small trees; 3, seconds; 4. Borrow money, etc. It is recommended not to lend to these platforms that do not need credit information. 1, money shopkeeper. The loan amount is between 1 1,000-11,000 yuan, and the interest is calculated daily. The longest loan period is 30 days. 2, the era of small trees. The loan amount is between 3,000 and 8,000 yuan, and the loan time is between 3- 12 months. Three seconds. The loan amount is relatively low, the highest is only 3,000 yuan, and the lowest is 1000, and the loan time is between 1 and 3 months. 4. Come and borrow money. The highest loan amount is 1 000 yuan, and the lowest is 500 yuan. Now more formal loan platforms need to check personal credit information. If you need personal credit loans, there are many apps to choose from. The online lending platform is convenient to apply for loans, and the loan is fast, but the interest is high. Therefore, when applying for online loans, we should pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated. 1. Definition: The simple and popular understanding of loan (electronic receipt credit loan) is to borrow money with interest. 2. Repayment method: (1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty. Three principles of loan: safety, liquidity and efficiency, which are the fundamental principles of loan operation of commercial banks. 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Third, does the overdue credit report affect the loan?

First, overdue credit reporting has little impact. If users want to apply for a loan, it is not only important to look at the application materials, but also important to apply for a loan and approve the loan business if they have the quality of credit information and prove their repayment ability.

If the user is overdue once, but provides a lot of asset certificates when applying for loan business, then one overdue time has little impact on the loan business application. However, users should be aware that the loan interest rate and loan amount may be affected. The emergence of credit cards or loans overdue is more often due to overdue letters, which has little impact on loans.

It is very difficult to apply for a loan because the loan business is overdue for more than 6 times or more than 3 times in a row. In this case, most financial institutions will directly refuse.

Personal credit inquiry:

If you want to check your personal credit, you can check it online. After paying interest through the Credit Information Center of the People's Bank of China, you can apply for a personal credit information report. The report has an electronic version, which customers can keep.

The second way is that customers can go to the central bank or commercial banks authorized by the central bank to print their own credit reports, which can be a short version or a detailed version, and lenders can print them according to their actual needs.

It is worth noting that customers can only print credit reports for free twice a year. If they print more than twice, they need to pay some fees. Customers should also pay attention to this and try not to print personal credit reports at will.

There will be more detailed customer credit records on the credit report, and these loan records will always be kept on the credit report. Of course, as long as the lender is not overdue, these loan records will not have any impact on customers and belong to relatively neutral information.

Checking personal credit information affects credit information:

If customers inquire about their own credit information, this situation will not affect their personal credit information. Because this kind of inquiry is a "soft" inquiry, the credit information will not deteriorate because the customer has checked his own credit information.

Of course, if it is a bank or a lending institution or platform, this kind of inquiry record will have a certain impact.

Because the inquiries made by banks or lending institutions and platforms in the name of "credit card approval" and "loan approval" belong to "hard" inquiries, once there are too many records of such inquiries, it is easy to "spend" the customer's credit information. Although there will be no bad credit record in credit investigation, too much credit investigation will also affect customers' subsequent credit business.

If you don't want to "hard" query too many records, then customers should be careful not to apply for too many credit cards and loans at ordinary times, so as not to cause too many platforms to query records in the name of "credit card approval" and "loan approval".