Since the system cannot detect it, there will be no impact.
Loans, p2p loans are the abbreviation of online loans, including personal p2p loans and commercial p2p loans. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory of the Internet Finance (ITFIN) industry. In 2012, the number of online lending platforms in my country grew rapidly. There are currently about 350 active platforms. As of the end of April 2015, the total number had reached 3,054. In September 2019, the Leading Group for Special Rectification of Internet Financial Risks and the Leading Group for Special Rectification of Online Lending Risks jointly issued the "Notice on Strengthening the Construction of Credit Information Systems in the Field of P2P Online Lending" to support operating P2P online lending institutions in accessing credit information systems. .
Credit inquiry method: You can inquire directly at the Credit Information Center of the People's Bank of China, or through the Internet Personal Credit Information System of the People's Bank of China. Although many online lending platforms have not yet connected with the central bank to obtain credit information, they will also refer to the central bank's personal credit information report when viewing users' personal data.
Online credit reporting agency inquiries. For example, check third-party credit institutions with personal credit licenses such as Zhima Credit, China Credit Credit, Tencent Credit, and Pengyuan Credit. Although many online lending platforms are not central bank credit, they can all obtain online credit.
New Home Loans: Buying a new home is relatively simple. After paying the deposit and signing the home purchase contract, the developer will arrange a time for the home buyer to go to the sales department or bank to sign a home purchase loan contract. The loan contract allows the buyer to choose the loan term, loan amount and repayment method. All a buyer needs to do is read the loan contract and sign it. After the loan contract is signed, the bank will require the buyer to provide bank flow for half a year or one year, and require the buyer to provide proof of income. These two materials are mainly used by banks to judge the buyer's repayment ability. After the materials are submitted, the bank will check whether the buyer meets the loan conditions. If there are no problems with the buyer's loan approval, the buyer will wait for the bank to lend to the developer and then repay the mortgage in the second month of the loan.
Loans for buying second-hand houses: Buying second-hand houses is relatively troublesome. Nowadays, buying a second-hand house usually requires finding a real estate agent. Applying for a mortgage will not be complicated if you are accompanied by a real estate agent. After the sales contract is signed, the real estate agent will take the buyer and the landlord to a bank or guarantee company to sign a housing loan contract. It is similar to buying a new house. You only need to sign and sign. After the loan contract is signed, the bank still requires the buyer to provide proof of bank flow and income. After the bank receives the loan contract, it will ask an appraisal company to come and appraise the house, and then provide a loan based on the appraised price. If the transaction price is not 1 million yuan, a loan of 700,000 yuan can be granted, depending on whether the appraised price can reach 1 million yuan. After the loan contract is approved, the buyer and seller go through the house transfer procedures. After the buyer obtains his or her property title certificate, he or she needs to go to the Housing Authority to apply for a mortgage before the bank will lend money to the landlord.