Like borrowing, it is a kind of online lending, mainly to provide people with lending services. The maximum loan amount can reach 300,000 yuan, which can be loaned for 3 months, 6 months or 12 months.
The flower garden is more similar to a "credit card", which mainly allows users to "spend in advance". Its amount ranges from 1 1,000 to 300,000 yuan. Like a credit card, it is "consumption in the current month, repayment in the next month". The amount of flower buds can only be used for consumption, and cannot be withdrawn or transferred. This is also the biggest difference between flowers and borrowing flowers.
：
How long will it take to pay off the mortgage?
After the loan is paid off, it will not affect the mortgage under normal circumstances. As long as the lender has no overdue record, it will not have any impact on the mortgage. Even if there are outstanding loans, as long as the lender's qualifications meet the requirements of the bank, you can apply for a mortgage.
Of course, although there is no overdue record, the bank will not refuse the loan, but if there are other loans that have not been settled, the bank will raise the requirements for the lender's income, or it may require the lender to settle the loan in advance, and the lender needs to be prepared in this regard.
However, because the information in the credit report is not updated in real time, sometimes the lender pays off the loan but it will not be reflected in the credit report immediately, so the lender can prepare the loan settlement certificate, which can play a very good role in some cases.
The bank's review of mortgages is very strict. Lenders need to be fully prepared before applying for mortgage loans. It's best to go to the bank to learn about the specific loan policies and see if they meet the requirements. Don't blindly apply for a mortgage. If it fails, it will be more troublesome.
Influence of bank mortgage overdue for one month
If the bank mortgage is overdue for one month, it will inevitably have the following adverse effects:
1. A penalty interest will be charged from the overdue date, so when the customer pays off the debt after one month overdue, he needs to pay another month overdue penalty interest.
2. The overdue situation is reported by the bank to the central bank for credit investigation, leaving a bad record in the personal credit investigation report (the bad record should be kept for at least five years after the customer pays off the debt for one month, and will not be deleted by the system immediately), thus causing personal credit damage.
3. Due to credit problems, most subsequent customers will be blocked from going to banks or other consumer financial institutions to handle new credit business. Before the damaged credit is repaired, it is basically difficult to successfully apply for credit.
Customers are advised to develop a good habit of paying back on time and try to avoid overdue. Mortgage is automatically deducted by the bank card, so customers should pay attention to make up the money in time before the monthly repayment date, and always pay attention to the status of the card. If you are unable to repay, you can contact the bank to negotiate repayment.