The bank's credit approval personnel review the credit report at three levels:
The first level depends on whether there is a serious breach of contract.
For example, let's see if the customer's credit information is "three times in a row". If not, everything is fine. If so, goodbye.
The second level looks at the degree of default.
In addition to seeing whether there are "three troubles and six troubles", we should also look at the details of breach of contract, such as loans overdue or overdue credit cards. loans overdue is divided into operating loans overdue and consumer loans overdue, because different overdue properties are different.
Loans overdue, also a business, will distinguish between occasional overdue and multiple overdue. If it is overdue for many times, it is necessary to distinguish whether it is overdue continuously or several times. Of course, the overdue amount will also have a significant impact on loan approval, and the greater the overdue amount, the more serious the negative impact; If it is overdue with the same amount, it should be divided into overdue loan principal and overdue interest, and the nature is also different.
In addition to the loan default and credit card default in the credit report, it also depends on the breach of external guarantee, that is, whether there is compensation for external guarantee or whether we have compensation from guarantee institutions.
The third level of comprehensive evaluation.
After the review and analysis of default information is completed, non-credit information will be reviewed.
Include basic information, public information and inquiry information.
Among them, basic information, such as occupation information, age information, residence information, education, marital status, etc. In the bank credit scoring system, the scores of applicants vary greatly because different basic information reflects different risk levels, such as age.
In terms of credit access conditions, many banks will stipulate that people over the age of 18 and those under the age of 60 can borrow money. But in practice, although this condition is met, the closer the borrower is to 18 or 60 years old, the lower the possibility of obtaining a loan.
Personal credit report:
Personal credit report inquiry record. Recently, there are too many hard inquiry records, that is, it has been spent, and the application for a loan is likely to be rejected. Of course, the inquiry records are not necessarily reliable, and they need to be reviewed together with other credit information during the review process.
For example, there is a post-loan management inquiry in the inquiry record, but the previous loan or credit card was opened, and he did not have any loan or credit card before, so his post-loan management inquiry record is not credible, and it is likely to be a loan approval inquiry.
If it is a loan approval inquiry, according to the comparison between the inquiry time and the current report date, if there is a long difference, the loan is likely to be rejected, and so on.
When applying for a loan, what are the main aspects for the bank to check your credit information?
When you go to the bank to apply for a credit card or loan, the bank will check the applicant's personal credit information and evaluate whether the applicant meets the relevant conditions through the records and information in the applicant's personal credit information. Credit investigation is directly related to whether a credit card or loan can be approved.
What can the bank find when checking the credit information?
1 Personal basic information, such as name, ID card, marital status, etc.
Credit records, including whether there are overdue records, the number of credit cards handled, the number of loan accounts and loan account details, current liabilities and other credit information.
3 * * * records, including: tax arrears records, civil judgment records, enforcement records, punishment records, telecom arrears records, etc.
4 Query records, you can find out which financial institutions have inquired about your personal credit information for what reason in the last two years.
The bank's inquiry about personal credit information is mainly to judge whether an individual meets the requirements of the bank, mainly from five aspects.
1 Debt, credit card debt ratio greater than 80% has a negative impact, and the visa is directly refused in serious cases.
2. No more than 3 to 6 overdue times in the last two years, that is, no more than 3 consecutive credit cards and loans overdue, and no more than 6 times in two years.
3 Query Times: You can see the query times in the last column of the query record, including query date, query institution and query reason.
4. Account status, including normal, frozen, payment stopped, bad debts, account cancellation and inactivity. Normal state is the best.
5 loan information, loan bank, loan amount, loan term, maturity time, remaining amount, etc.
Banks will also leave inquiry records when inquiring about credit information, so if you go to the bank to apply for a credit card, don't continue to apply frequently, which will lead to worse credit information. You should find out the reason for your rejection and solve it before applying.
What is the main purpose of bank loan credit investigation?
Bank loans will check credit information. Although the personal credit report will collect the credit records in the past five years, banks mainly look at the credit records in the past two years. In addition to basic personal information, they will also look at four types of information:
1, credit history (loans, credit cards, guarantees, etc. );
2. Credit information of consumption before payment (water, electricity and other payment information);
3. Public * * * information (administrative license, administrative punishment, information of the person who has been executed by the court)
4. Query records (loan application, credit card application, guarantee qualification examination, post-loan management, etc.). )
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Basic definition
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
bank loan
According to different classification standards, there are many types of bank loans.
For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.