The answer is yes. Today, Bian Xiao will show you whether you can borrow a mobile phone loan again. Due to the different policies of each lending institution, the corresponding loan products will be different. Here, Bian Xiao listed some conditions for applying for a mobile phone loan for your reference. Lenders can apply again before using it, which is conducive to applying for loans. Lending institutions will relax you appropriately and the loan amount will increase accordingly. Applying for a mobile phone loan requires the borrower to repay the loan software used before, and it has never expired, which is conducive to re-applying.
Can the money from CCB's fast loan be used to repay the mortgage?
The money lent by CCB's fast loan can be used to repay the mortgage.
CCB's fast loan is normally used before the limit expires, and there is no overdue repayment, so this loan record with good repayment record will be recorded in your credit report. This record is helpful to show the bank your good repayment habits and sufficient repayment ability, which will be helpful when applying for a mortgage.
As the fast loan of CCB includes many credit loan products, such as fast e-loan, financing e-loan, pledge loan, car e-loan, and Wo e-loan, the repayment date of each product is different, and the specific provisions are as follows:
1, fast e-loan, pledge loan and car e-loan: the loan can be recycled within the validity period of the line, and it will be repaid with the loan. All the loan principal and interest must be settled on the maturity date of the line.
Specific repayment date: log in to CCB mobile banking "Loan-My Loan" or personal online banking "Loan Service-Personal Quick Loan-My Quick Loan" to check the repayment date.
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Overdue repayment will affect the application for mortgage;
If the fast loan of CCB is overdue, it will definitely affect the application for mortgage. Because when applying for a mortgage, the bank needs to check the personal credit report. If the overdue loan of CCB is recorded on it, then the bank will consider whether the borrower has insufficient repayment ability or weak repayment will. In order to avoid risks, the mortgage application will be rejected.
CCB's fast loan shows liabilities:
If the quick loan of CCB is not settled when you apply for a mortgage, it also means that your current asset status is not good. After all, you still have debts, and the bank will consider whether you can afford the mortgage. However, if the loan amount of CCB Express Loan is not high, the bank may not regard it as the borrower's debt, so this situation depends on how the mortgage application bank decides.
In fact, whether the quick loan of CCB will affect the mortgage depends on the attitude of the bank applying for the mortgage. If the liabilities and overdue of such small loans are not attractive to the lending banks, then you can successfully apply for a mortgage. However, if the lending bank is particularly strict in debt and credit investigation, then CCB's fast loan will have a certain impact on applying for mortgage.
Is it relevant to buy a house by loan, down payment on mortgage and loan on mobile phone?
Under normal circumstances, as long as the mobile phone loan is not overdue, it will not affect the mortgage. Mortgage is a mortgage loan, which does not conflict with mobile phone loans. The most important thing for bank loans is to look at credit qualifications. No matter what kind of loan you make, as long as you pass the credit investigation, any loan is ok. Of course, it is best to inform the bank in advance of these situations, and the bank will have professionals to explain them to you clearly. Mobile phone loans will not affect mortgages. As long as you repay on time, it will have no effect on your credit. You can still apply for a mortgage in the bank normally.
Nowadays, many young people use mobile phone loans to make a living, because the cost is actually relatively large. I think this is still a bad phenomenon. You must put an end to this situation. Now you can go to the bank for a loan. Get all the information ready and you can apply. This is also very convenient. If you personally apply for online loans, the application amount does not exceed 50,000 yuan, and there is no overdue phenomenon, which has no effect on your application for mortgage. However, if the amount you apply for exceeds 50,000 yuan and it is overdue, it will have a certain impact on your application for mortgage. Before applying, you must remember to consult your local bank. At present, the domestic requirements for mortgage review are very strict. If your personal qualifications are not very good, the bank may apply according to your loan. Of course, you don't have to think that it doesn't matter if the mortgage is approved. The bank will still check the repayment ability of the lender, especially three months after the loan is approved. You can go to the post-loan management every month to check the lender's credit report. Because of this, some real estate agents will tell lenders not to apply for consumer loans during these three months.
If it is more than three months after the mortgage approval, you can borrow by borrowing. After all, after three months of observation, the bank may not care so much when it sees that the lender's repayment ability is relatively stable. Of course, they will still manage it occasionally, but the impact will be less.
Does online lending have an impact on bank loans for buying houses?
Online lending does affect the application for loans from banks, but it is not absolute.
At present, the online loan records of many online loan platforms will be collected, but it does not mean that as long as the online loan is used, it will be refused by the bank. Generally speaking, as long as it is a normal loan from a formal institution, if you repay it normally and the debt amount is not high, then the bank will consider it according to the specific situation.
Whether a bank lends money mainly depends on your personal income, credit record, repayment record, etc. In other words, using online loans does not mean that your credit is bad, but if you have a bad record such as overdue, it is another matter.
Generally, the bottom line in prime bank is that you can still apply for a loan if it is overdue for no more than 6 times in two years and no more than 3 times in a row. This condition is not so harsh.
However, there are many online lending platforms now, which are also very convenient. Some friends will abuse this tool, which will bring them some trouble, because once your online loan is granted, even if it is not overdue, your credit report will show the past use of online loans, giving people a feeling of lack of money. This will definitely have some impact on our loan application.
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Conditions affecting the purchase of loans:
First of all, the nature of your job.
The nature of your job often reflects your income level and income stability. Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.
Second, there is little water in the bank.
If there is little running water or effective running water, the bank will think that you lack "repayment ability". The definition of "effective flow" is very important. "Book on the same day, take it out on the same day" and "one-time transfer in, one-time transfer out" are definitely invalid.
Third, the credit card is overdue.
When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.
Fourth, check the credit report frequently.
Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report. As long as there is an inquiry record of the credit report, the bank is likely to think that there is a history of "loan".
Verb (short for verb) is over-indebted.
The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.
Sixth, buy a house.
The house you bought is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about smaller and older houses.
Matters needing attention in handling loans:
Cautiously use microfinance products such as credit card installment and "flower bud" installment.
Credit card staging is similar to "flowers". In fact, this is a kind of lending behavior. First of all, it will increase your credit inquiry times. Second, this is also your debt, and the bank will think that your consumption habits are not good. Third, these "convenient" installment services are likely to cause you to forget to repay.
Use credit cards reasonably and accumulate "honest capital" for yourself. Credit cards and other loan products are not used well, which is called black households. They have never been used at all, and that is called white households. No matter "black households" or "white households", they are not quality customers for banks.