Can banks lend money after the deadline, Zhihu?

Can I get a loan from the bank when I get to loans overdue?

You can go to the bank for a loan after the deadline. Of course, the audit of bank loans is often strict. If the loan applicant is overdue, the loan application may not be approved by the bank, and the lender needs to be psychologically prepared.

Overdue will affect personal credit reporting, and bad credit reporting will have a great impact on future loans. Therefore, in normal times, individuals also need to take good care of their credit information. If there is a loan, they must pay off the loan in full and on time to safeguard their personal credit.

Can I apply for a loan if my credit card is overdue?

You can borrow money. There are many kinds of loans, including credit loans, mortgage loans, pledge loans and provident fund loans. If it is a credit loan, provident fund loan, etc. : The previous credit card is not overdue for more than 90 days, and the credit has remained good in the near future after overdue repayment, which will not affect the loan; In the past, credit cards were overdue for more than 90 days, and even if they were paid off, credit loans would be affected. Only a good credit record can be maintained, and credit loans and provident fund loans can be made after 5 years. If you want mortgage loan, pledge loan, etc. As long as the credit card is not maliciously overdue and has been paid off, the overdue credit card will not have much impact on mortgage loans and pledged loans, and mortgage loans can be made according to normal procedures.

Bank credit history is overdue, can I get a loan?

1. Can I still get a loan if my credit history is overdue? If the credit history is overdue, it will have a negative impact on the loan application, but it may not necessarily fail the loan review, depending on the relevant regulations of banks or third-party financial institutions on overdue. Generally speaking, if the credit record is overdue for no more than 2 times, the bank will still handle the loan as appropriate, but the number of overdue times is accumulated for 6 times or more, and the banking system may not approve it. However, in the same overdue situation, third-party financial lending institutions will be relatively lenient, because different institutions have different tolerance for overdue. A relatively loose auditing institution, even if its credit history is overdue, will not affect the approval of the institution's lending. If the overdue times are less than the audit requirements of any financial institution, you can increase your own assets, such as real estate, vehicle driving license, etc., so that the audit pass rate will be greater. Or find a friend with a good credit record, good economic strength and fixed assets as a guarantee, which is also one of the considerations of lending institutions. Can I get a loan if the loan is overdue? Second, how to eliminate the overdue records of personal credit information can not be eliminated actively. However, according to the regulations, the retention period of personal bad information collected by credit reporting agencies shall not exceed 5 years. Generally speaking, the overdue personal credit records will be covered by new credit records after 5 years. It should be noted that this five-year period is calculated from the date when overdue debts are paid off, not five years after the date when overdue records are generated. Don't worry too much if there is an overdue record of personal credit information. If there are not many overdue records, the impact is generally small, and banks pay more attention to the credit information in the past two years. As long as there is no overdue record in the past two years, you can still apply for a loan or credit card.

Are there any overdue loans?

If there is overdue, as long as there is no credit report, you can theoretically borrow money. However, whether the loan can be successful in actual conditions depends on the loan regulations of various banks.

Different banks set different loan conditions. To apply for a loan from a bank, you must first have enough funds to repay the loan, which can be existing fixed deposits, funds, real estate, collectibles and other assets, or work income.

For fixed assets, it is necessary to issue an assessment report on the present value of assets in the relevant departments first. After the evaluation report is issued, the asset value evaluation report shall be submitted to the bank loan audit department together with the loan application.

For work income, you need to submit the loan application form and the proof of salary income to the bank. If the salary is paid monthly, proof of salary for at least half a year shall be provided.

When the repayment ability is high, the bank will relax the credit conditions of the loan applicant. However, the loan applicant must show the bank that his overdue reason is not positive. Under normal circumstances, as long as the number of loans overdue visits does not exceed six in two years, or there is no continuous overdue within three months, the bank will allow some loan applications.