2. The degree of default depends not only on the loan default and credit card default in the credit report, but also on the external guarantee default, that is, whether there is external guarantee compensation or whether it is compensated by the guarantee institution.
3. Comprehensive evaluation and review of non-credit information. Include basic information, public information and inquiry information. Among them, basic information, such as occupation information, age information, residence information, educational background, marital status, etc. In the bank credit scoring system, applicants' scores vary greatly because different basic information reflects different risk levels, such as age. In terms of credit access conditions, many banks will stipulate that1people over 8 years old and under 60 years old can get loans. However, in practice, although this condition is met, the closer the borrower's age is to 18 or 60, the lower the possibility of obtaining a loan.
Steps for individuals to borrow money from banks:
1. Loan materials should be prepared in advance before lending to the bank, generally including: loan application form, valid identity certificate of the borrower, account book of the borrower and income certificate. If married, relevant certification materials shall be provided; If you are unmarried, you should provide relevant materials such as proof of unmarried; If you choose a mortgage loan, you should also provide a mortgage property certificate; Credit loan customers should provide good credit records.
2. Submit the application and prepare relevant application materials, then you can submit a loan application to the bank, and then you can sign a loan contract with the bank after it is examined and approved by the bank.
3. Loan review. If the mortgage loan is selected, the bank will conduct a preliminary review of the loan application submitted by the customer. If the loan requirements of the bank are met, the bank will approve the loan again. If it does not meet the requirements of the bank, the bank will return the relevant loan materials you submitted.
4. Go through the relevant legal procedures. If mortgage customers need to register and put on record in the bank, it will be convenient to inquire in the future. In addition, if customers agree, they can entrust a law firm to handle insurance and notarization.
5. Finally, the bank lends money. What you need to know here is that after obtaining the loan, you must repay the relevant amount on time to avoid other serious influences and troubles.