Because there are many loan platforms now, it is relatively easy to apply for loans. Many people didn't plan how to repay the loan, which eventually led to loans overdue. They want to apply for a bank loan before they remember whether there is something wrong with their credit information. So can loans overdue get a loan to buy a car? It depends on the specific situation. Let's have a look.

Can loans overdue borrow money to buy a car?

If you want to borrow money to buy a car, the bank will check the credit report of the loan applicant first. Most banks are not particularly strict with the credit requirements for car loans. It has not been overdue for more than 6 times in the past two years, or the overdue time has not exceeded 90 days. At present, car loans can be handled normally.

If you are in loans overdue, whether you can borrow money to buy a car can also be divided into several situations:

The first case, loans overdue, has no influence on credit, so it does not affect the loan to buy a car; In the second case, the loan is granted, but two years ago, the overdue loan has been settled, which has little impact on the car loan to be applied now; The third case, loans overdue in recent two years, but the overdue time is short. For example, it is only a few days overdue, the overdue amount is small, the overdue loan has been settled, and the overdue record has not exceeded 6 times. In this case, the loan can still be used to buy a car; The fourth case, loans overdue, the current overdue loan has not been settled, so you can't apply for a car loan. In the fifth case, if the overdue times are more than 6 times in the past two years and the overdue time is more than 90 days, then the car loan application will be rejected by the bank.

If you want to apply for a car loan, one is that the credit must meet the relevant requirements of the bank. In addition, the loan applicant needs to provide a fixed detailed address, have a stable occupation or income source, have the repayment ability, and be able to repay the principal and interest normally.

Whether loans overdue can get a loan to buy a car depends on the specific situation. You can't kill it with a stick. Every bank has different requirements for car loan applicants. You can ask the bank where you use more bank cards to see what the requirements are.

Can I borrow money to buy a car when my mortgage is overdue?

Whether the mortgage is overdue depends on the overdue situation.

If the overdue amount of the mortgage is small and the overdue time is short, for example, only 1-3 days, and it is not overdue at present, then the probability of getting the car loan is still very high.

Generally speaking, bank loans will be given a grace period of 1-3 days. If you only occasionally forget to repay or have no money on the repayment date, and finally repay the mortgage within the grace period, basically the credit will not be affected, but whether there is a grace period depends on the loan contract. Some banks do not have a grace period, and they will also conduct credit investigation if they are overdue for one day.

In order to reduce risks, banks will not accept car loan applications from loan applicants with overdue repayment records. Generally speaking, there are three overdue records, and the loan interest rate has risen, which is more serious. For example, loans overdue has been overdue for six times in two years, or overdue for more than 90 days, which will be deemed as malicious overdue by the bank, and the borrower's repayment intention is not optimistic, thus rejecting the loan application.

If the overdue record is five years ago, don't worry, personal bad information will only be kept for five years at the longest, and the record five years ago will be deleted.

In addition, whether you can get a car loan depends on whether the lender has other debts, stable income or assets that are easy to realize. If it is just ordinary overdue and has strong repayment ability, there is still a chance to get a car loan.

?

Extended data:

What if the mortgage is overdue?

If you find that the mortgage is overdue, you should pay back the overdue money as soon as possible and contact the loan bank in time to explain the situation. Secondly, you should avoid new overdue, and the number of overdue times should not exceed six in two years. Furthermore, you should establish a new credit record as soon as possible, and keep a good credit record when repaying loans or using credit cards.

If the mortgage is overdue, you can get a car loan, but ultimately it depends on your overdue situation. Some banks are not so strict, so you can consult them in detail.

If my credit card is overdue, can I borrow money to buy a car?

1. If the credit card is overdue, you can borrow money to buy a car, provided that the user's credit card is not seriously overdue.

If the credit card holder is blacklisted for more than 90 days overdue, then it is not allowed to apply for a loan to buy a car. The cardholder can only apply for a loan to buy a car after the bad credit record is eliminated. Generally speaking, the cardholder should pay off all the arrears after the deadline, and then continue to use the credit card to spend and repay on time, and the bad credit record five years ago will be automatically eliminated.

Can I borrow money to buy a car after the online loan expires?

If the online loan is overdue, but there is no record of overdue, the user can apply for a car loan in this case. Because when applying for car loans, lending institutions can't find the overdue records of online loans, then in the eyes of lending institutions, users belong to users with good credit information. In the overdue records of online loans, users cannot apply for car loans until the overdue records are deleted. As long as online loans are repaid on time and the loan amount is not high, users applying for car loans will not be affected by online loans.

Extended data:

How does the network platform loans overdue negotiate?

If the loans overdue applied for on the online lending platform has not been repaid by the customer, if repayment is to be negotiated, it must be made clear that the individual is temporarily unable to repay when contacting the customer service of the platform, because if the customer still has repayment ability, the platform will not negotiate with the customer. Moreover, customers can also provide relevant information as evidence, such as unemployment certificate, proof of termination of labor contract and so on.

Then we should also actively express our willingness to repay, and finally try to put forward an application for extending the repayment period and repaying by installments, and the loan platform will consider it as appropriate. What everyone needs to pay attention to is that the loan platform generally does not have a loan stop service, so it is inevitable to remove interest. However, if the repayment can be postponed, the repayment pressure can also be suspended.

Of course, the loan platform may also reject the customer's application for extension. In this regard, customers must make other preparations. For example, you can try to borrow money from your family and friends around you, pay off the loan first, and then return the money to your relatives and friends when you have money.