In general,
Using the money from Zhaolian Finance will not affect customers to apply for mortgage in the future.
As long as customers do not frequently borrow from Zhaolian Finance, they should also pay attention to repayment on time. However, if customers frequently borrow from Zhaolian Finance, many of them fail to pay back the mortgage, which will affect the mortgage approval. Also, if the customer is overdue when repaying the loan, it is likely that the mortgage will not be done.
Can Zhilian Finance fill in the purpose at will?
You can't.
1, Zhaolian financial loan funds can only be used for consumption, and may not be used for house purchase, car purchase, investment and wealth management, lending to others or other purposes prohibited by laws and regulations.
2. If you don't use the loan according to the agreed purpose, Zhaolian Finance has the right to pursue legal responsibility from you. Please use the loan funds legally.
Zhaolian financial loan 1 1 ten thousand yuan. Now my husband wants to borrow money to buy a house, can he still borrow money? Husband will know.
I can't. Zhaolian Finance borrowed 1 10000 yuan from her husband to buy a house, and could not get a loan. Zhaolian Finance is a licensed consumer finance company jointly sponsored by China Merchants Bank and China Unicom, two fortune 500 companies. It has two major consumer financial product systems, namely "good loan" and "credit payment", to provide users with credit loans for installment consumption and general consumer credit services.
Will recruiting financial loans to buy a car or a house have a negative impact?
As one of the few licensed "regular troops" in the domestic consumer finance field, Zhaolian Finance has won considerable user support with the blessing of China Merchants Bank and China Unicom. But recently, many friends have asked, I heard that collecting credit information at the Zhaolian Financial Lending Conference will affect the future loan to buy a car and a house. Obviously, these friends haven't really learned about personal credit reporting, so let's see if it has any impact.
The so-called personal credit investigation is a neutral word. Such a report can be a clean and good credit record, or it can be a rotten credit stain, which is caused by our usual habit of lending and keeping promises. It is certain that the credit report will not affect the loan to buy a car or a house, but different reports will have different effects.
First of all, if you use credit cards and loans in a benign way and repay them on time, it can really prove your willingness to repay, and lending institutions are more willing to go to trial. Therefore, in the process of applying for mortgage and car loan, such a credit report is an excellent business card, which can gain the full trust of lending institutions and lend money very neatly.
Therefore, whether you make large loans in some banks or small loans on platforms such as Zhaolian Finance, you must repay them in time. If the credit is overdue, there will be much trouble in the future.
Looking back at the credit report, in addition to not leaving a stain, we should also be alert to the high debt record. After all, banks are afraid of users with high debts. Generally speaking, the debt ratio of 50% will say no to you, and some conservative ones even set it at 30%.
For example, if you hold too many personal credit cards, it is easy to be considered as high debt. This kind of credit report will make banks want to "avoid it", and it is naturally more difficult to pass the review of mortgage and car loan.
Except for Zhaolian Finance, all credit records that can be used as credit information will affect your own car and house purchase, but this influence is not all bad. A good record will help us realize our dream of RV more quickly. Of course, tainted and highly indebted credit information will become an obstacle. The fundamental solution is to pay attention to your own credit, rational consumption, take good care of your own life and the vital personal credit report.
(The material comes from Zhilian Finance)