If the loan is not paid off, the credit report will show the amount to be repaid, but this will not affect the user's application for bank loans. Lending treasure is a small loan, even if the loan is not paid off, it will not cause too much debt to users. As long as the user meets the conditions of bank loan and has good credit, the application for bank loan can be approved.

Moreover, it is more advantageous for users to have a record of borrowing money than to apply for bank loans from white households with credit information. The record of borrowing money and timely repayment is beneficial for users to pass the loan review.

Due to different loan types, the conditions and materials required for applying for loans are also different:

Personal credit loan

Personal credit loan is a fashionable loan method. Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use.

Personal credit status is good, which has certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Can I get a loan from the bank after using ants?

When the repayment record is good and the loan has been settled, the use of ant borrowing will not affect the bank loan.

Ant lending is a loan product, which is connected to the credit information system. Consumers who use ants to borrow money will be recorded in their personal credit report as consumer loan records.

In other words, if there is overdue repayment on the ant loan, the ant loan system will report the overdue record to the central bank for credit investigation, leaving a bad credit record on the overdue person's personal credit investigation report. The bank will check the personal credit information of the borrower when approving the loan application.

At this time, because the borrower's credit report has a bad credit record, the bank will be more cautious in approving the loan. If the overdue circumstances are serious, the loan application shall be refused.

In addition to overdue repayment will affect bank loans, large loans will also affect the bank's approval of loans.

Because Ant Financial can borrow up to 300,000 yuan, some users may have applied for a large loan. If the bank applies for a loan under the condition that the large loan applied by ants has not been paid off, it will have a certain impact on the approval of bank loans. The bank will doubt whether the applicant has enough financial ability and repayment ability.

Therefore, people who have not paid off a large loan on the ant loan are more likely to be rejected when they go to the bank to apply for a loan.

I took out a loan. Can I get a loan from the bank?

If you borrow money, you can continue to apply for bank loans. Borrowing is a small loan, which will not greatly increase personal liabilities. Moreover, after applying for a loan, as long as it is repaid on time, it will not affect personal credit information. When applying for a bank loan, users can borrow the record of timely repayment, which is helpful for users to pass the bank loan audit.

If you apply for a large loan and apply for a bank loan, the bank requires users to pay off the loan before applying for a loan, so you must repay the loan first and then lend according to the requirements of the bank.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure (regularly), and deposit 15000+ money, which can be spent after basically 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in your computer. 10,000+deposits can basically lend 10,000 white+online merchant bank consumer loans in one month;

But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

Borrow, borrow, borrow, borrow, borrow, borrow, borrow, borrow, borrow, borrow, borrow.

You can borrow from the bank normally if you haven't paid it off, as long as it's not overdue, you can repay it normally. If you borrow money from the borrowing bank, and you fail to fulfill your repayment obligations normally, even if you don't pay it back all the time, it will definitely affect your loan at the bank, because borrowing money is a credit loan. If the repayment is not normal, the overdue information will be uploaded to the central bank.