Provident fund loans are usually targeted at high-quality customers. If the credit is not good, it depends on the specific situation. For example, you have too many credit approvals and spent it! Then you can improve your credit for a while! Under normal circumstances, it is eight times every three months, so don't order any credit cards or loans for two or three months, preferably within six months, and you can handle it then! If it is overdue, it is normal to do it once every six months, at most twice a year, and it can be done within one month! If it is overdue for more than three months, it will be very troublesome, which is what we often call a black household! Basically, credit is impossible! Therefore, it is still necessary to see the specific credit situation in order to give accurate advice!
Can Chengdu lenders get loans if they have bad records?
First of all, whether you are in Chengdu or other places. Under normal circumstances, you can't borrow money with a bad record, but it depends on the specific situation.
For example, your bad record appeared within two years but more than one year. Generally speaking, it was a year ago but not more than two years. In this case, it is no problem for you to apply for a mortgage loan. Because mortgage is equivalent to collateral, it will be easier for him to ask for credit information, so it is possible to borrow money if he has a bad record. Similarly, this record is a bit difficult if you make a credit loan.
For example, your bad record directly appeared in recent years, and it has been overdue continuously, although you have settled the loan now. But this overdue record will be kept for five years before it is completely eliminated. Things like this are also valued during the loan inspection. If it is overdue in the near future, it is almost impossible to get the loan.
There is another situation, that is, your bad record always exists, that is to say, you have been in the state of loans overdue, and you have not paid back. This is what we call overdue demand, in which case it is impossible to get a loan directly.
I hope my answer can help you.
Chengdu's credit information is not good, which bank loan is easier? These banks have a high pass rate of credit loans.
If it meets the requirements, it will be easier to handle and pass. Generally speaking, the loans of joint-stock commercial banks are easier to handle and the amount is higher. If the conditions are good, you can choose four major banks, and the interest rate is relatively low. If the loan is used for special consumption, you can choose the loan of consumption type. For example, the monthly interest rate of renovation loans of the four major banks is less than 0.3, which is still relatively favorable. However, I suggest you go to Lv Qing, a small WeChat program. There are 99% bank loan products on the market in Lv Qing, so it is easy to compare all kinds of loans.
I have a car in Chengdu, but my personal credit information is not very good. Can I apply for a car mortgage?
If your credit is not good, it depends on what your credit is like. If it is overdue or the black account is hacked by the bank, you will definitely not be able to get the loan. Whether the loan can be approved is not impossible. Bad personal credit that needs to be evaluated according to your comprehensive score (work status, education, credit history, income, etc.). ) will reduce the chances of successfully applying for a loan, but it is not impossible to get a loan.
If you have a car in your name and your credit is not good, whether you can get a loan depends on these two points:
1. Bad credit information can be divided into two types: credit information and overdue records. If there are only a lot of hard inquiry records on credit information, and the loan credit information is very expensive, it will be difficult to apply for a loan. If you can prove your repayment ability, you can still try to apply for a loan, but the loan amount may be less or the loan interest rate will be higher. If there are many overdue credit records, such as three consecutive overdue credit records in the past two years, it means that the borrower's repayment ability and willingness are extremely poor, and the loan application will often be directly rejected; However, there are few overdue records and short overdue time, which depends on the specific requirements of loan products.
2. If the car under the name of the loan applicant has obtained the title certificate, then you can consider using the car as collateral to apply for a mortgage loan; If there is no title certificate and the car loan is still paid, then the car can't be bought, sold or mortgaged. The applicant only has the right to use the car, but has no property right.
If it is not a serious overdue behavior, such as only one overdue record less than 90 days in recent years, and it will be returned soon, then you can contact the bank first to see if you can issue a non-malicious overdue certificate; Secondly, in this case, the loan will not be refused, but it is possible to shorten the loan period and raise the loan interest rate. If the credit information is too expensive and you want to borrow money to buy a car, you can try the following methods:
1, looking for a guarantee company can improve the loan pass rate, but if you look for a guarantee company to help you apply for a car loan, there will be additional expenses and risks.
2. You can't apply for a loan again within half a year or one year, and you can't have bad records such as overdue. After the data returns to normal, it will be smoother to apply for a car loan.
3. Provide the lender with more sufficient property certificates, such as bank deposits and assets certificates of securities companies, to prove its repayment ability, so as to gain the trust of the lender and handle the car loan smoothly. 4. Buy a car in full. At present, the price of small displacement cars is not expensive. If the credit runs out, you can't get the loan. Try to buy a car in full and lower the grade of the car.
Credit information is not particularly good. Can I apply for an owner's credit loan in Chengdu?
Credit information is not particularly good, so you can't apply for owner's credit loan in Chengdu, because if it is really bad, it won't be handled in the process.
How to apply for a loan with a bad credit record in Chengdu?
Not only in Chengdu, but also everywhere, credit cards have become a craze, but have you repaid them on time after spending? If you don't pay on time, your credit history may be poor. When you need a loan one day, you are likely to be rejected by the bank. So what should we do when the credit record is bad?
First of all, we need to know about personal credit records, which are documents issued by credit reporting agencies to record your past credit information. It is also a personal economic identity card, which can help banks check personal credit status. If the borrower's credit record is in a bad state, the bank will consider the borrower's repayment ability and refuse the borrower's loan application. If the borrower is not maliciously overdue, he can still apply for a loan. Next, let's discuss what we should do when our credit record is bad.
Borrowers can bring their personal ID cards and credit card vouchers to the local people's bank to check their credit status. According to the current regulations, individuals have the right to obtain their credit reports twice a year for free. However, if you check your credit information in the bank many times, you may be rejected by the bank. The bank will think that you have applied for loans in many places. When you find that your credit information is not included in the blacklist of bad credit, it means that you can still apply for a loan.
Generally, banks only look at their credit status for two years. Most banks limit overdue to two times in three months, three times in half a year and four times in a year. Pay special attention to the continuity of overdue. It will be more difficult to apply for a loan if you don't repay the loan for more than a period of time.
Borrowers with bad records can find third-party guarantee institutions or individuals to assist in handling loans. If your bad record is caused by carelessness, for example, your repayment 1-2 times is overdue due to negligence, you can ask the bank to issue a non-malicious overdue certificate, and then apply for a loan at the loan bank with this certificate. However, if the borrower is blacklisted in the credit information system, the bad credit record will not be cleared until years later, and then he will have the opportunity to apply for a loan from the bank.
I suggest that you must develop good repayment habits, and at the same time, when applying for loans, choose the repayment method that suits you, so as not to affect your future quality of life.