"Don't think that peer-to-peer lending can be used casually, even if it is repaid on time, it will affect the loan.
Just now, the bank loan officer told me that products such as ant loan, JD.COM IOUs and micro-loan will not give me car loans as long as they have been used twice in the past six months, regardless of whether they are not returned. "
In the WeChat circle of friends, Ms. Tu sent such a message.
Ms. Tu recently considered buying a car and applied for a mortgage loan through a commercial bank that cooperated with a store in 4S.
"There has never been a bad credit record and there is no outstanding loan. The bank loan officer asked me if I had any new loans in the near future. After half a year, I found several records of online loans and refused the loan. "
For this statement of the loan officer, Ms. Tu feels incredible.
Have you used Internet credit products such as Ant Borrowing, Micro-loan, JD.COM White Bar, etc., even if you repay on time, will it affect bank loans?
There are more than two records of small loans within half a year, and the loan is not approved.
The reporter asked the manager of the personal loan department of a branch of the bank for verification. She said, "There is indeed this rule. The notice received last month will be implemented this month. "
"After raising the application threshold, the proportion of refusing loans is much higher. Many people use these mainstream Internet financial platforms, such as IOUs and IOUs. Many customers have used it more than twice, including my own borrowing record of JD.COM White Strip. " She said.
In the process of handling loans for customers, banks inevitably depend on the borrower's credit information. By looking at the customer's personal credit information, we can measure whether to lend money to customers.
"Different banks have different tolerance standards. In general, the standard in prime bank is that loans and credit cards cannot be overdue for more than 6 times within 2 years, and cannot be overdue for more than 3 times in a row. " The manager of the personal loan department of a joint-stock commercial bank said,
In addition, the lender has many outstanding consumer loans or credit loans in other banks or internet platforms, which may affect the loan amount and even fail to pass the examination and approval.
Some online credit loans have been connected to the credit information system.
In addition to the banking system, at present, JD.COM Baitiao, Ant Borrowing, Suning Arbitrary Payment, Micro-loan, Baidu Finance and other commonly used products have been connected to the credit information system.
Tencent micro-loan customer service said that "micro-loan" is a credit product of Weizhong Bank. Borrowing money through it is the same as borrowing money from a bank, and it must be entered into the central bank's credit information system.
Alipay customer service said that ant borrowing is a loan product and will be reported to the credit information system in due course according to relevant regulations; If it is overdue, the follow-up will affect personal credit records.
The credit reporting agency corresponding to Ant Flower Garden is Sesame Credit, not the central bank's credit reporting, so it will not affect the number of personal credit inquiries.
Suning willful payment announced in official website that overdue payment will not only generate liquidated damages, but also upload overdue information to the credit information system of the People's Bank of China.
JD.COM customer service staff introduced that the use of JD.COM white stripes should be divided into different situations. Buy goods in JD.COM Mall without checking the credit information;
However, the use of IOUs for daily consumption, tourism, education, decoration, etc. belongs to borrowing from small loan companies, and personal credit information needs to be inquired.
In the short term, frequent "hard inquiry" of credit information will also affect the application for loans.
In general, personal credit reports can inquire about personal credit records, public records, inquiry records and other information. In these records, you will find loan-related businesses, including but not limited to applying for commercial loans, mortgages, car loans and credit cards. Banks and financial institutions will inquire about customers' personal credit reports through personal authorization.
What needs to be clear is that too many inquiries about personal credit reports will really affect the application for loans. But this does not mean that all inquiry records will affect the loan.
My inquiry and post-loan management inquiry are not among the reasons for personal credit report inquiry. If i query's own relevant credit record does not affect the loan.
What will affect the loan is "hard inquiry", including credit card approval, guarantee qualification approval and loan approval. These approval factors are factors that will cause risks to bank lending, so they belong to the negative category, and short-term frequent inquiries will have an adverse impact on loans.
Under normal circumstances, lending institutions will think that individuals will only check the credit report if they need to borrow money.
In other words, if a person's credit report is inquired by the lending institution for many times in a short period of time for reasons such as "loan approval" and "credit card approval", there is no substantial loan.
Then the bank or lending institution will think that the applicant is in urgent need of funds, but refuse because some conditions are not up to standard or the financial situation is not good.
In this case, the applicant has a high risk of default, and banks or lending institutions will be very cautious.