Lending institutions, including banks, generally check the credit records of loan applicants within two years. In the record of these two years, the bank adhered to the principle of "three links". The so-called "three troubles with six" means that in the past two years, the repayment has not been made for three consecutive months and is overdue for six months.

1, overdue

? You can check the credit records of the last two years, but the overdue time is not limited. Even if you didn't pay back the money three years ago, even five years ago, or even longer, the record will always exist.

2. There are too many credit inquiries.

Generally speaking, being inquired more than 6 times in half a year will affect the loan application. If the number of inquiries exceeds 10, it may be directly rejected by the bank.

3. Credit interruption after overdue.

? Some people are careless about loans overdue or use credit cards. After overdue repayment, I don't think I will borrow money or use a credit card, so my credit history will be improved. If the loan is stopped and the credit card is used after the deadline, the credit record will be interrupted, and you can see the last overdue situation. The bank can't judge your later credit information and repayment ability, and will choose to refuse the loan.

4. There are too many credit card overdrafts

Large consumer loans are not settled.

? At the end of last year, the state severely cracked down on "down payment loans" and strictly investigated the inflow of "consumer loans" into the real estate market. Affected by the policy, banks listed large consumer loans as inspection items when reviewing loans. If there is a large consumer loan outstanding, if you apply for a mortgage, you will be directly rejected; Applying for other loans will also be affected to varying degrees.