Five years.
The Regulations on the Administration of Credit Information Industry stipulates that:
1. The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
2. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis, which cannot be tampered with. The bank will not make any bad comments on the usage records, but only truthfully feedback the historical usage records without making any subjective judgments.
If the subsequent loan business is handled, the lending bank will comprehensively refer to the credit records, not only for a certain period of time, but also for a continuous increase in credit if it can maintain a good record of consumption and repayment.
3. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.
Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
Extended data
Article 207 of the Contract Law stipulates:
"If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state". The repealed Economic Contract Law and the Regulations on Loan Contracts have clearly stipulated that overdue loans should be penalized, including the Notice of the People's Bank of China on the Interest-bearing Measures after Adjusting the Loan Interest Rate (hereinafter referred to as the Notice) and the Provisions on the Administration of RMB Interest Rate (hereinafter referred to as the Provisions).
According to the above provisions, combined with the actual trial, there are two main calculation methods of overdue loan interest:
First, according to the interest rate during the contract period. Within the performance period agreed in the loan contract, as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and private lending is not higher than 4 times the bank loan interest rate, the interest paid by the borrower can be used to calculate the overdue interest of overdue loans according to the interest rate agreement.
Second, calculate the interest according to the relevant regulations of the People's Bank of China.
This interest-bearing method still abides by the original loan interest rate during the performance of the loan contract, and the overdue interest in installments is not calculated when the interest rate is adjusted. For the interest rate of overdue loans, the overdue interest shall be collected by installments according to the interest rate adjusted in different periods determined by the People's Bank of China, and the overdue interest shall be collected by default interest according to a certain proportion, or by installments according to the default interest rate determined by the People's Bank of China.
At the same time, during and after the performance of the contract, quarterly interest settlement is adopted (short-term loans can also be settled monthly within one year), and the quarterly interest settlement date is the 20th day at the end of the quarter. If the borrower fails to pay interest on time, compound interest shall be calculated.
Of the above two interest-bearing methods, the former is generally suitable for private lending, while the compound interest in the latter is not suitable for private lending. The latter is generally applicable to bank loan contracts, while the former is not prohibited by law.
The two calculation methods of interest have their own characteristics. Although the calculation method of collecting overdue interest according to the agreement is simple, it can fully embody the principle of autonomy of the parties to the contract within the scope permitted by law.
However, if it is overdue for a long time, when the national interest rate is greatly adjusted, it may lead to too high or too low interest rate, which violates the spirit of fair civil law. Although it can properly reflect the interest payable on overdue loans, the implementation process is too complicated.
How long will loans overdue affect credit reporting?
How long will loans overdue affect personal credit reporting? There are two main situations:
1. Provide a grace period for repayment.
(1) Bank loan: the bank provides a repayment grace period of 1 to 3 days, after which the user is deemed overdue, so that the overdue record will be uploaded to the personal credit information 2 to 4 days after the repayment date. Different banks offer different grace periods for repayment, which shall be subject to the provisions of the lending bank. Users can also consult whether there is a grace period for repayment before applying for a bank loan, so that users can grasp the repayment time more accurately.
(2) Online loan: The online loan platform provides a repayment grace period of 1 to 3 days, which is the same as bank loans. Overdue records will be uploaded to personal credit information 2 to 4 days after the repayment date. Since most online loans are the mode of cooperation between online lending platforms and financial institutions, different financial institutions may provide loan services for the same online lending product. Different financial institutions provide different grace periods, so there may be cases where financial institutions upload overdue records to personal credit information when the overdue days are different.
2. No grace period is provided.
(1) Bank loan: The bank does not provide a grace period for the loan, and overdue records and overdue interest will be generated if it is overdue 1 day after repayment. After the bank uploads the overdue records to the personal credit report, it will directly lead to poor personal credit reporting. At the same time, the bank will also charge overdue interest according to the number of overdue days. The longer the overdue days, the more interest will be generated, which will inevitably increase the repayment burden of users. Some loans of the bank do not provide a grace period for repayment, and users are not allowed to apply for a grace period on their own initiative. At this point, the user must repay on time on the repayment date.
(2) Online lending: Online lending does not provide a loan grace period. If the repayment date is overdue 1 day, it will be regarded as overdue by the user. After the user is overdue, the online loan platform will upload the overdue records to the personal credit report according to the regulations, so even if it is only 1 day overdue, it will have a series of negative effects. Moreover, because the loan amount of online loans is generally not high, once users have overdue records, it will seriously affect the comprehensive credit score of users.
Tips: Personal credit information will be affected only after the overdue records are recorded. Before the lending institution uploads them, users will have the opportunity to remedy the overdue records. After the user is in loans overdue, he will immediately pay off the overdue debts, and then call the customer service hotline of the lending institution to apply to the lending institution not to upload overdue records. After examination, if the lender decides not to upload overdue records, it will be deemed that the user has successfully remedied them. The overdue records have been uploaded to the personal credit report, and can only be deleted automatically after 5 years.
How long has loans overdue had a bad record?
The so-called overdue, that is, overdue, generally means that when the borrower signs a repayment contract with the bank, it has not repaid in full by the repayment date and deadline. How many days overdue will constitute a bad record, depending on the degree of risk judgment of the bank. Loan business and credit card business have different identification of bad records. Whether the borrower will form a record and upload it to the credit information system after a few days overdue depends on whether the bank has a grace period. If it is uploaded to the credit information system, whether it is deemed as malicious overdue or not, each bank also has its own identification criteria, which cannot be generalized.
1, if it is overdue, the most serious consequence will be that the credit record will be defiled, thus affecting the personal reputation. According to the current regulations, once the credit stain is generated, it will be difficult to change and will be retained for five years.
2. If you don't repay the loan for three consecutive months, you can basically judge that he is "maliciously" in arrears. Banks are generally very cautious about such customers when approving loans. For borrowers with "three consecutive problems", banks may take measures such as refusing to lend, reducing the loan ratio and raising the loan interest rate depending on the time and amount of their arrears. For borrowers with "six-year" problems, most banks will further investigate their previous specific situation in loans overdue to make a judgment.
3. The above are the consequences of loans overdue and its identification criteria. If there is a bad record, it will have an impact on future personal loans and other related businesses. Therefore, Bian Xiao reminded every borrower to keep records and repay the loan on time every month.
A few days overdue mortgage is a bad record.
More than three days. No matter what the loan business is, there will be a period of time after it is overdue. As long as the user repays within the grace period, it will not have any impact on personal credit information. At present, the tolerance of several banks for mortgage business is three days, which means that mortgage applicants need to pay off the arrears of the month within three days after the repayment date expires, otherwise personal credit information will be affected.
Extended data:
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract. From the date of overdue, transfer to the overdue loan account, and indicate the words "overdue loan" in the header of the loan account. In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not be squeezed into the cost, occupy taxes or collect profits.