The basic conditions for applying for personal loans are as follows:
1. A natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a local permanent residence or long-term residence certificate and a fixed residence;
3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
4. Have a good personal credit record.
Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises.
Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.
Extended data:
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.
Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it. Now, the new version of the report has changed the presentation method based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved an exhibition area for information such as asset disposal and guarantor's compensation.
In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work.
The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.
References:
Credit Report-Baidu Encyclopedia