1. Personal credit loans with good credit information can be applied without providing any collateral, so banks will pay special attention to their credit situation when judging their qualifications, so they need to have good credit information when applying for personal credit loans.
2. A stable source of income is the guarantee of repayment ability, so banks should be assured of their income. The more stable the income, the higher the work income, and it will be easier for banks to apply for personal credit loans.
3. If you apply for a personal credit loan in a bank, your age must meet the requirements of the bank, at least 18. Minors are not allowed to use credit products.
4. To have valid identity information, you need to have valid identity information, provide valid identity certificate and complete real-name authentication, otherwise the bank will directly refuse the loan application.
5. Having the capacity for civil conduct needs to be able to bear full capacity for civil conduct, because banks will be prepared to be unable to repay on time, so they need to be able to bear the relationship between creditor's rights and debts.
6. Not too much debt. If the debt ratio is relatively high, for example, it has exceeded 50%, then banks will worry about repayment ability, feel that there is a great risk of overdue in the future, and will also refuse loan applications.
7. To apply for a personal credit loan in a bank with complete loan information, you need to submit it to the bank for review of income, work, credit information and other information as required.
8. Have a reasonable credit demand. The personal credit loan of the bank has a certain scope of use, and it needs to be borrowed reasonably within the scope permitted by the loan contract. If there are some unreasonable requirements, such as planning to use loans to manage money or buy a house, the loan will not pass.
9. Have certain assets in the bank. Some bank credit loan products are aimed at banks. They need bank loans or pay wages on their behalf. They have some property in the bank and can prove their financial resources to the bank.
10. Meet other requirements of the Bank. For example, some bank credit loan products should also ask the bank's mobile banking users, and even some personal credit loan products have requirements on whether to pay the provident fund. The specific needs shall be subject to the bank regulations.
It can be seen that it is not a simple matter to apply for a personal credit loan in a bank. If you want to get a smooth loan, you must maintain a good personal qualification.
If the online loan itself is not compliant, then this overdue online loan will not have much impact on personal credit status. But your online loan record will be kept in the online loan big data. You can check your online loan history through "Beijian Quick Check", including overdue details of online loans, debts, untrustworthy information, and whether it has been blacklisted.
Extended data:
What should I do if I borrow money online and my credit score is always not enough?
If the credit score of online loans is always insufficient, it is recommended to suspend the application, and it is difficult to borrow money after frequent operations in a short period of time. You should solve the credit problem first.
Moreover, it is easy to "spend" big data (credit information) by applying for loans frequently, and there will be long-term lending, which is more likely to be rejected.
It is best not to apply for a new loan for at least three months (if the debt in your name is not low, you can also repay the debt in your name during this period). After that, the "expenditure" of big data (credit information) improved, and the personal debt ratio also decreased, and then applied for a loan. Maybe if the comprehensive evaluation of the system is up to standard, you can get a loan smoothly.
If the credit score is insufficient because of overdue repayment and outstanding debt, you have to pay off the debt quickly and accumulate a good record. When the credit is improved, it is not too late to borrow it again (first, improve the credit for about three to six months, once the credit is damaged, it is difficult to repair it quickly in a short time).