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A number of bank staff said that whether to use online loan products has nothing to do with whether to obtain bank loans, and the loans overdue record in the personal credit report is the main reason that affects the approval of bank loans.

The person in charge of a personal loan center of a joint-stock bank said that the rumor of "refusing to lend twice every six months" may be a misunderstanding of the number of credit inquiries. The inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on.

If the personal credit report is frequently inquired by institutions in a short period of time, most bank loan auditors will be suspicious of it. However, the inquiry record is not a hard indicator, but a reference factor, and the specific situation varies according to the standards of various institutions.

A number of bank staff, including Bank of China, said that banks will comprehensively consider the customer's situation, and whether loans can be approved depends on the audit of individual loan departments at specific outlets.

Extended data:

According to public information, Internet credits such as JD.COM Baitiao, Ant Borrowing, Suning Renxing Payment and Tencent Microfinance have been connected to the central bank's credit information system, which means that banks can check customers' online loan usage through personal credit information reports. Therefore, consumers who use Internet lending products must repay in full and on time, and maintain a good credit record.

Insiders reminded that if there is no loan demand, it is recommended not to click on the "view quota" entrance on some online loan products pages at will, because some loan products will be recorded in the credit report if they click on the view quota without applying.

Can customers get loans from other banks if they are blacklisted on the beacon platform?

Yes, but due to the existence of the blacklist of Fiberhome Platform, other banks may refuse customers' loan applications. Therefore, customers are advised to clean up their blacklist records before trying to apply for loans from other banks.

Will being blacklisted on online loans affect mortgages?

At present, there are many online lending platforms, and applicants can find such online lending platforms at any time as long as they are willing. Many people don't know much about online lending, they can't repay it after blindly borrowing, and they become cyber hackers, only to regret it afterwards. So being blacklisted on online loans will affect the mortgage?

1. Whether being included in the online loan blacklist will affect the blacklist mainly depends on whether the lending institution behind the lending platform is a bank or an institution that accesses the central bank's credit information.

2. If it is, it will definitely affect personal credit information. If not, many online loans are not connected to the central bank's credit information, so there is no such overdue record in the personal credit information, so it is also possible to apply for a mortgage.

3. Therefore, if you want to borrow money to buy a house after becoming an online guest, you can directly log in to the central bank's credit information system to check your personal credit. If your personal credit inquiry does not show overdue records, you can apply for a mortgage. Otherwise, the mortgage application will be rejected.

The above is the content related to being blacklisted by online loans and affecting mortgages. I hope it will help netizens.

Does online lending have an impact on bank loans for buying houses?

Online lending does affect the application for loans from banks, but it is not absolute.

At present, the online loan records of many online loan platforms will be collected, but it does not mean that as long as the online loan is used, it will be refused by the bank. Generally speaking, as long as it is a normal loan from a formal institution, if you repay it normally and the debt amount is not high, then the bank will consider it according to the specific situation.

Whether a bank lends money mainly depends on your personal income, credit record, repayment record, etc. In other words, using online loans does not mean that your credit is bad, but if you have a bad record such as overdue, it is another matter.

Generally, the bottom line in prime bank is that you can still apply for a loan if it is overdue for no more than 6 times in two years and no more than 3 times in a row. This condition is not so harsh.

However, there are many online lending platforms now, which are also very convenient. Some friends will abuse this tool, which will bring them some trouble, because once your online loan is granted, even if it is not overdue, your credit report will show the past use of online loans, giving people a feeling of lack of money. This will definitely have some impact on our loan application.

Extended data:

Conditions affecting the purchase of loans:

First of all, the nature of your job.

The nature of your job often reflects your income level and income stability. Banks tend to be high-income, stable and high-level industries, and prefer central enterprises, state-owned enterprises and Fortune 500 companies. Such as civil servants, educators, doctors, monopoly industries, etc.

Second, there is little water in the bank.

If the bank has less running water or less effective running water, the bank will think that you lack "repayment ability". The definition of "effective flow" is very important. "Book on the same day, take it out on the same day" and "one-time transfer in, one-time transfer out" are definitely invalid.

Third, the credit card is overdue.

When using a credit card, you must pay attention to the repayment is not overdue! At the same time, utilities, property fees and mobile phone fees are also included in the certificate list.

Fourth, check the credit report frequently.

Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report. As long as there is an inquiry record of the credit report, the bank is likely to think that there is a history of "loan".

Verb (short for verb) is over-indebted.

The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.

Sixth, buy a house.

The house you bought is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about smaller and older houses.

Matters needing attention in handling loans:

Cautiously use microfinance products such as credit card installment and "flower bud" installment.

Credit card staging is similar to "flowers". In fact, this is a kind of lending behavior. First of all, it will increase your credit inquiry times. Second, this is also your debt, and the bank will think that your consumption habits are not good. Third, these "convenient" installment services are likely to cause you to forget to repay.

Use credit cards reasonably and accumulate "honest capital" for yourself. Credit cards and other loan products are not used well, which is called black households. They have never been used at all, and that is called white households. No matter "black households" or "white households", they are not quality customers for banks.