Bank loans will check credit information. Although the personal credit report will collect the credit records in the past five years, banks mainly look at the credit records in the past two years. In addition to basic personal information, they will also look at four types of information:
1, credit history (loans, credit cards, guarantees, etc. );
2. Credit information of consumption before payment (water, electricity and other payment information);
3. Public * * * information (administrative license, administrative punishment, information of untrustworthy person)
4. Query records (loan application, credit card application, guarantee qualification examination, post-loan management, etc.). )
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Basic definition
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
bank loan
According to different classification standards, there are many types of bank loans.
For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Is it necessary to check the credit information for bank loans?
Now, no matter whether you apply for a credit card or a bank loan, you will check your credit information. Therefore, it is very important to protect your credit information. It is said that there will be many projects in the future. For example, if you want to apply for a safe and good credit loan, then a good credit status is the prerequisite for handling the loan. If you have been to the credit, you will not conduct the next review, and Baidu will also find it.
Do you need to check the credit information for bank loans?
Personal credit report is required for bank loans:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
With the development of market economy, enterprises, companies or individuals have a growing demand for loans, but there are still many unclear places for us ordinary people. The following summarizes some basic financial knowledge of loans for everyone to learn from each other.
Loans seem to be a very simple matter, that is, borrowing money from others and then paying back the money with interest. In fact, loan is a very professional technical job. If you don't know some financial knowledge, it's easy to get a loan that is not what you want. In order to help you better learn and understand the knowledge related to loans, this paper summarizes ten basic knowledge of loans.
1. What are the common loan forms? What are their characteristics and advantages?
Loans are divided into "credit loans" and "mortgage loans".
2. What's the difference between a "lender" and a "borrower"?
In the process of lending, most people don't know what is a "lender" and what is a "borrower".
Lender: refers to individuals or financial institutions that use credit funds or their own funds to issue loans to borrowers in lending activities, generally referring to commercial banks and central banks.
Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities.
Simply put, if you borrow money from a bank, you are the borrower and the bank is the lender.
3. What are the common repayment methods?
Common repayment methods are: average capital, matching principal and interest, one-time repayment of principal and interest, interest first and principal later.
4. What is the benchmark interest rate? What will float?
The benchmark interest rate is the deposit and loan interest rate uniformly stipulated by the People's Bank of China, which is used to guide the deposit and loan business of commercial banks. Commercial banks can float on the benchmark interest rate according to market conditions and borrowers' conditions.
The main reason for the increase in loan interest rate is that the market demand for loans is greater than the supply of funds. Simply put, banks are short of money. In addition, the borrower's own credit status is not good, and the bank thinks that the loan risk is too high, so it raises the interest rate.
5. What is the loan process? What are the steps?
The loan process is mainly divided into four parts: pre-loan investigation = loan approval = loan issuance = post-loan management.
6. "3% interest", how much interest is 3%?
When you hear what percentage of interest, you must know whether it is annual interest rate, monthly interest rate or daily interest rate. For example, the monthly interest rate of 3% is relative to RMB, that is, 1 yuan can get 3% interest a month. Warm reminder, many people bear high interest rates because they can't calculate interest rates.
Do you want to know about the bank loan survey?
Query the credit information of bank loans.
1. Lenders mainly look at the lender's loan approval records and credit cards (debit cards). If there are too many inquiries in a short time, they may refuse to allocate funds.
2. Usually lending institutions stipulate that the borrower's debt ratio cannot exceed 50%. If the debt ratio is too high, the lender will think that the lender's repayment ability is insufficient and may refuse the lender's loan application.
3. Usually, lending institutions have the requirement of "three consecutive days and six consecutive days" for borrowers' overdue behavior. It cannot be overdue for three months in a row, and the number of overdue times in the past two years cannot exceed six. Different lending institutions have different requirements, and the specific requirements of lending institutions shall prevail when applying for loans.