1. If the number of credit inquiries exceeds, it does not mean that you cannot apply for a loan. Not all surveys will affect loan applications. Find someone to guarantee for yourself: If the applicant's repayment ability is not particularly good, find a person with strong economic strength and good credit information to guarantee joint liability for himself, and can provide assets under his name as collateral, and then apply for a loan, even if there are too many inquiries, there is a chance to pass. Moreover, if there is no asset certificate and no one can guarantee the mortgage, if you want to get a loan, I suggest you keep your credit information first, and don't apply for a loan or credit card for at least 3~6 months to reduce the number of times the credit information is checked. With the passage of time, the influence of asking too much will gradually disappear, and there will be no big problem in getting a loan again.

2. The reasons for personal credit inquiry can be divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval and objection inquiry. Among them, personal inquiry has little influence on credit inquiry, and the number of inquiries will not affect the loan application. You can check it twice a year for free, and only the records of credit card approval, guarantee qualification review and loan approval will have a negative impact, which is a hard query. If the frequency of this kind of credit inquiry exceeds, the lending institution will think that the credit parties are in poor financial condition and have too much credit on the way, so they are unwilling to issue loans.

Each lending institution may have different requirements for the number of credit inquiries. For example, the standard of banks is generally that the number of hard inquiries is more than three times a month or more than six times in three months, so it will be more troublesome to apply for loans. However, the standard of hard inquiry of some financial institutions may be no more than 5 times a month and no more than 10 times in three months. Therefore, if the number of credit inquiries exceeds the standard, you can choose a lending institution with loose credit requirements, and don't die.

How to borrow money to buy a house if there are too many credit inquiries?

1. If there are too many credit inquiries, you can first improve your credit for a while, then take out a loan to buy a house and pay off the loan or credit card in your name. In the process of applying for bank mortgage loan, you must avoid the dangerous period, which is not conducive to personal lending.

2. The personal credit report has been inquired too many times recently, which is often said that "the credit is spent", and it may be rejected by the bank when applying for a loan. As for how long is the standard of "recent" and "too many times", banks have their own regulations. In most cases, it is very difficult to apply for a loan after two or more "difficult inquiries" in the last month or three times in the last three months.

3. After the credit is spent, you can borrow money to buy a house, which can provide you with good repayment ability, such as the monthly income is several times that of the monthly payment, or other assets under your name, or you can provide a well-qualified guarantor.

4. More times of credit inquiry will affect the loan to buy a house, so don't always check your own credit, and don't apply for online loan products casually. For example, some online loan products always tempt you to evaluate the quota, and this evaluation will check the credit.

First, will personal credit inquiry records have an impact?

It won't affect. There are five kinds of detailed records in the credit report, one of which is inquiry information. In the credit report, it will record in detail who or what institution inquired about the credit in the past two years.

1, personal inquiry does not affect credit investigation. If you just want to know your credit information, this inquiry record has no effect on credit information. According to the relevant regulations, you can check your credit information twice a year for free, and you need to charge after two times.

2. Institutional inquiry will affect the inquiry of institutions applying for loans, that is, "hard inquiry". Too many hard questions will have a certain negative impact on applying for loans. Because only when the credit reporting party has a loan demand and applies for a loan from a lending institution can the lending institution obtain credit information to inquire about the credit reporting situation of the credit reporting party, such as applying for a credit card and loan approval. If the credit report is frequently inquired by the institution in a short period of time, but the loan or credit card is not successfully approved, it means that the credit of the credit reporting party is poor, or other qualifications are poor, and it is rejected by the lending institution. Applying for other loans at this time may make other lending institutions feel that loan applicants are not qualified and it is difficult to apply for loans successfully.

Second, if you want your credit report to be unaffected by the number of inquiries, it is best not to make more than five inquiries in one month and 65,438+00 in two months. When applying for a loan, you should read the loan requirements carefully, and don't blindly apply for multiple loans at one time, but it is not easy to pass. Inquiring about personal credit reports will affect credit reporting, but credit reporting is only a reference for the approval of lending institutions. Whether the loan can be obtained smoothly depends on the comprehensive qualification of the loan applicant and the requirements of the lending institution.

How to apply for a loan if the number of credit inquiries exceeds? You can try to do this!

If you want to apply for a loan, the lending institution will often ask the applicant to provide application materials and will review the applicant's comprehensive qualifications. Only after passing the exam can you really get a loan. Many people will check their credit information before applying for a loan to see if there is any problem. If the number of credit information inquiries exceeds, how can they apply for loans? Let's get to know each other.

How to apply for a loan if the number of credit inquiries exceeds?

Just because the number of credit inquiries exceeds, it does not mean that you cannot apply for a loan. Not all surveys will affect loan applications.

The reasons for personal credit inquiry can be divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. Among them, personal inquiry has little influence on credit inquiry, and the number of inquiries will not affect the loan application. You can check it twice a year for free, and only the records of credit card approval, guarantee qualification review and loan approval will have a negative impact, which is a hard query. If the frequency of this kind of credit inquiry exceeds, the lending institution will think that the credit parties are in poor financial condition and have too much credit on the way, so they are unwilling to issue loans.

However, each lending institution may have different requirements for the number of credit inquiries. For example, the standard of banks is generally that the number of hard inquiries is more than three times a month or more than six times in three months, so it will be more troublesome to apply for loans. However, the standard of some financial institutions may be no more than five times a month and no more than 65,438+00 times in three months. Therefore, if the number of credit inquiries exceeds the standard, you can choose a lending institution with looser credit requirements.

If the number of hard inquiries about credit information is particularly large, all lending institutions are very concerned, and they can consider applying for mortgage loans or secured loans. Both of these loans have collateral or guarantors, and the overdue cost is high, so the requirements of lending institutions for credit information will be more relaxed.

The number of credit inquiries exceeds how to apply for a loan, or it depends on the specific circumstances of the number of inquiries and the type of loan. If the number of inquiries exceeds, the loan will not necessarily fail.