1, bad credit record
A bad credit record means that you have a bad credit record in your personal credit, which may have been overdue before.
However, credit records can be repaired. By paying off overdue debts and maintaining a good credit record in the following daily life, good records can cover bad records.
If you have a car and a house in your name, you can apply for a mortgage loan. The probability of successful mortgage loan is generally high, because it is easier for you to pay if you have assets when the lending institution makes a judgment.
2. No credit history.
This is commonly known as a white household, and there is no personal credit information in the records of the banking system, and the credit is blank.
Because the most important basis for the lending institution to evaluate the applicant's repayment intention is to inquire about the credit record, if your credit record is blank, the lending institution will have no way to evaluate it, which will naturally lead to the loan being rejected.
3. High debt ratio
The debt ratio shows that the borrower has multiple credit cards, and each card has a large consumption record, which may be overdue.
If the borrower's debt ratio is too high, the lending institution will consider the borrower's repayment ability when reviewing the appropriation. The debt ratio is too high, indicating that your repayment ability is poor, and the lending institution will naturally not give you a loan.
Xiao Xinhua shows what the money in Xiao Yejun has used up today.
The money has been lent out. Xiaoxinhua is the main cash consumption installment product of Haixi Jiaxin Co., Ltd., a licensed financial institution. The company is a professional credit institution officially approved by the government. Xiao Xinhua shows that the money in Xiao Yejun's pocket is used up today, which means that the money is used up.
Goodbye again
Mr. Sales, Mr. Insurance and Mr. Loan are all very good. We know all the personal information at home, and so do the three gentlemen who don't know. For example, when is the birthday of our wife and children? Just ask three gentlemen.
Long illness makes a doctor.
I was disturbed by the three gentlemen for a long time, and gradually came to the conclusion that bloom had fallen.
Two months before the auto insurance expires, the world insurance bothers you like a moth in early summer.
Sorry, you called again:
"Hello, Sir! Excuse me, is your auto insurance about to expire? Do you want to copy a copy? "
"Thank you! No need. "
Sorry, you called again:
"Hello, Sir! Excuse me, is your auto insurance about to expire? Do you want a copy?
"Thank you! No, my wife also runs insurance? " I think that's a rejection.
Sorry, you called again:
"Hello, Sir! Excuse me, is your auto insurance about to expire? Do you want to copy a copy? "
"Thank you! No, I have already bought it. "
"No, the platform information shows that you haven't succeeded yet?"
"? What harassing phone calls are endless. "
"If the platform shows that you bought it, there will be no phone."
Sorry, you called again:
"Hello, Sir! Excuse me, is your auto insurance about to expire? Do you want to copy a copy? "
"Thank you! No need? "
"Our insurance products are very valuable? What is the first clause?
What is the second clause?
Rule number three?
Rule number four? "
"Handsome boy, that's enough. Stop reading."
"The fifth clause? . Please listen patiently ",
"Article 36 stipulates?" .
"That's enough, brother. Is it time to hang up? "
"If you want to hang up, you should hang up first. Our company stipulates that you can't hang up the customer first. " .
Oh, poor boy.
Like a dog's blood, Mr. Sales calls:
"We are Qinglong Gang", because the voice on the phone is sonorous, so the name is abbreviated.
"no! Don't go! My child is still young. " Interrupted each other without hearing a word. I don't know if it was the sales manager, but I know there is a grave in Qinglonggang.
"Listen to wrong, elder brother! Is our Longgang Wuxiang subway house popular? " Don't put commas in your statement. You speak faster than the host Hua Shao.
Like the freedom of time, Mr. Loan said:
"hello! Do you need a loan? " .
"I don't want a loan! I want to help! " 65438+ 0: 50 at noon, I am sleepy and tired. I just rested on my desk for a few minutes, and a few minutes is three minutes. The phone is calling again!
Sorry, you called again:
"hello! Do you need a loan? ? "
"Sorry, no need."
Hang up the phone, I looked at the time, at 8 o'clock in the evening, disturbing you to call after dinner-disturbing you to call after dinner is healthy and longevity.
The moon is cloudy and sunny,
People have joys and sorrows,
But ask jun.
Come again sometime.
Youyi Finance is overdue for 3 years. How can I repay it now?
It is recommended to contact the lending institution and reach a repayment plan with it, otherwise it will face the lending institution and can repay the loan normally on the platform.
Matters needing attention in loan
1. Malicious overdue causes many overdue behaviors, such as individuals not knowing the provisions of the bank's repayment date, staff not clearly telling the repayment date, and not repaying on time after graduating from college. Subjectively, the cardholder intentionally overdraws within the time limit and limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank, which is a malicious overdue. There are many times when we don't use credit cards, but credit cards have an annual fee. If we forget to pay it, it will be overdue. A good loan is expected by the annual fee, and will be directly rejected when applying for a car loan. You'd better find a bank.
2. Guarantee huge debts for others. Be careful when vouching for others. Should be based on their own abilities. Never exceed your ability, never use your own real estate and other necessities as collateral! It is best to write "general guarantee" in the contract, otherwise it may bring you huge debts. Because many people are friends or relatives, I have such people around me, very good brothers, who have helped guarantee millions. My brother ran away, and now the institution has found itself, and it has become a blacklist of banking institutions, leading an unpredictable life, let alone a loan.
3. Personal existing liabilities (debt-to-income ratio is 70%) Generally speaking, a bank can only agree to lend money when the total income of a family reaches at least twice the debt. Before making a loan, the borrower must reasonably evaluate the approximate amount that he can be approved according to the income-liability ratio stipulated by the bank. In particular, banks have different regulations on the ratio of income to liabilities, and borrowers need to consult in detail. Many people just keep borrowing for a living and have no real income. When you apply for a loan, there will be such a review.
4. Check the records of credit information many times. If your credit report is checked three or four times or more within a period of time, but it shows that you have not obtained new loans or applied for credit cards, it may mean that "you applied for loans or credit cards from many banks, but failed", and this information may adversely affect obtaining new loans or applying for credit cards. In fact, we apply for a lot of small loans, especially online loans. It is more convenient for us to apply, but when the agency inquires about your credit information, it will be recorded. If there are too many inquiries, it will be difficult for you to pay. Many organizations see that you have many inquiries, and direct submission will be rejected.
5. When an individual with bad spouse credit applies for a housing loan, the bank not only reviews the information and credit of the loan applicant, but also considers the credit of the spouse as an important factor. One party's bad credit record is likely to make the other party unable to apply for personal mortgage. There are too many problems in this respect. When I bought a house, I said I didn't have any problems. I found out that my wife and my husband had problems with their previous credit reports. So be sure to cherish your credit information and don't apply for a loan casually. Before applying, we should all see if we are suitable for applying. If we are not suitable, don't apply again.