Of course. Credit rating refers to a credit tool created by rating agencies to quantify the personal credit situation of borrowers, and 80 points can be used for loans to buy houses. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

Can I get a loan with a credit score of 65?

A credit score of 65 is basically the most basic score. According to the regulations of the bank, you can borrow money, but the amount will not be very high. According to the standard of credit card, the amount is between 1 10,000 yuan and10.5 million yuan.

The basic score of each person (white household) in the credit information system is 65, which is your normal "blood volume". Every credit inquiry will be "-5 points", and some people will say that it can be reduced by 13 times! If you really do this, then your credit information will be invalid. The lower your credit score, the farther away from the 60-point limit, and the more likely you are to be rejected. The more inquiries, the greater the damage to credit information. Of course, this deduction system is not irrecoverable, and the cycle is to recover 5 points in 6 months.

Which institutions and platforms will leave inquiry records? 1. When applying for a credit card, the bank will leave an inquiry record in the credit information; 2. The online lending platform will also leave records on the credit information when inquiring about personal credit information; 3. Other institutions that need credit. For example, if you apply for a credit card and are in the review stage, and you submit another bank's credit card application, then the institution that inquires later can see the previous inquiry record. For this kind of frequent application, it is easy to be rejected, and it will be misjudged as a shortage of funds and other reasons. I accidentally passed the bank's quality customers.

According to the concept of the People's Bank of China, overdue means that you have not paid the money according to the contract within the specified time. Because each bank's filing time is one month late, you didn't repay before the repayment date, which is considered as expected by the bank, but the credit information is not affected, and there are late fees and interest. However, if you don't repay the money of the last cycle before the next billing date, your credit will be affected! Please pay special attention to the fact that the billing date is the date of your checkout, and the repayment arrival date is the time when you need to repay. On the overdue mark of the central bank, 1-30 days is marked as1; 3 1-60 days is 2; By analogy, 180 days is 6, and there will be no evaluation of "good or bad" and "good or evil". Digital labels have different effects on banks.

Can I get a loan with a credit rating of 79?

There is no overdue record and no bad credit report before. Your credit score can be loaned.

First of all, there are several credit ratings.

1, AAA credit rating: if the user's comprehensive credit score is above 90, the credit limit of the user's loan at this level is generally 600,000;

2.AAA credit rating: if the comprehensive credit score of users is between 80 and 89, the credit limit of users at this level is generally 6.5438+10,000;

3. Credit rating A: If the user's comprehensive credit score is between 70 and 79, the credit limit of the user's loan at this level is generally 50,000;

4. Credit rating BBB: If the user's comprehensive credit score is between 60 and 69, the credit limit of the user's loan at this level is generally 65,438+00,000;

5. Credit rating BB: If the user's comprehensive credit score is between 50 and 59, the credit limit of the user's loan at this level is generally 5000;

6. Credit rating B: If the comprehensive credit score of users is between 40 and 49, the credit limit of users' loans at this level is generally 3000;

7. Credit CCC level;

8. Credit rating CC;

9. credit rating c ..

Credit ratings A, AA and AAA are high-quality customers, credit ratings B, BB and BBB are trustworthy customers, and credit ratings C, CC and CCC are dangerous customers.

Second, the impact of bad credit reporting.

1, bad credit information will affect loans, serious banks will not lend money again, and credit cards will not work;

2. Poor credit information will affect travel, and some means of transportation such as trains and planes cannot be used;

3. Poor credit information will affect employment. Some employers will conduct an investigation before joining the company, and if the credit information is not good, they cannot join the company;

4. Poor credit information will also affect families, such as the spouse's inability to obtain loans and the children's study and employment.

Third, what kind of credit can't be loaned:

1. There are overdue credit records, such as credit card overdue, bank loans overdue overdue, online loan overdue and so on.

2. If the credit information continues for three consecutive months, it is overdue, and there are more than six overdue records in two years.

3. If there are too many credit inquiries, the bank will think that you often apply for online loans and fail to pass the examination.

4. I spent a lot of money on credit investigation and applied for many credit cards and online loans. There are many records on it, and the bank will think that you live on loans.

When applying for a personal loan, the lending bank will comprehensively refer to the applicant's credit record, not just a certain period of time. If you are going to apply for a personal loan in a bank, the approval is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, and can only be determined after the approval of the handling outlets.

Can I get a loan with a credit score of 58?

You can get a loan with a credit rating of 58 points. You can also apply for a loan with a credit inquiry score of 58, but the probability of successful loan is relatively low. The credit inquiry score of 58 points belongs to a very large number of views, and banks will rate this kind as high risk, weak repayment ability and excessive consumption, making it difficult to get loans.

So much for the introduction of how much you can borrow.