I didn't apply for a loan. What happened to the loan? I didn't apply for a loan myself.

I checked the credit information myself, and I have the record of "loan approval" from China Bank, but I don't have a card from China Bank, and I didn't apply for a loan. Why?

As Baidu Channel cannot inquire about personal and account information, it is suggested that you call the customer service hotline of Bank of China at 95566 to provide relevant information for further inquiry.

The above contents are for your reference. Please refer to the actual business regulations.

I don't have a loan. Why do I have loan information?

It may be because someone else filled in the wrong mobile phone number when applying for a loan, or once registered a loan account, and the system pushed the advertising information uniformly.

As long as you confirm that you have not applied for a loan, the loan message you received can be ignored directly. Users are not sure whether there is a loan, so it is best to call the customer service hotline for consultation.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.

Loan repayment method:

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.

At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest bank loans.

What if there is loan information in the credit information that I have not applied for?

It seems to be a common situation that you have not applied for loan information in your credit record when inquiring about your credit record.

The first is self-examination. No matter whether it is a loan method such as Alipay or a loan, the borrower will not show that it is an Alipay loan, which may be a loan from a financial company.

If the above situation does not exist, if you have never applied for a loan, you can apply for an objection to the loan bank, because the bank may also make mistakes, put the loan of the same name in your name, or the lender tampered with your personal information. In this case, go to the borrowing bank to apply for an objection and let the lending bank inquire about the loan situation of this loan. If it is found that it is not handled by itself, the lending bank will apply to the central bank to modify the credit information.

Another is that someone else uses your identity to borrow money. This is also an objection application to the bank that lends money, so that the bank can check the loan record or call the police, so that the police can inquire about the truth of the matter and help you recover the credit information.

So don't panic when you encounter loan information that you haven't applied for in the credit report. As long as you really don't have a loan yourself, you can apply for recovery.

Another is that you have made a guarantee for others. In the case of guaranteeing others, even if you don't have a loan, the loan information of this loan will be displayed in the credit information, because the loan is guaranteed to bear the guarantee responsibility.

When you encounter loan information that you didn't apply for in the credit information, first analyze whether you have borrowed money or signed a contract with Alipay or WeChat platform, which is actually the situation of another company. If you really haven't borrowed it, you can apply to the loan bank for objection or report to the police, because if someone borrows money by using their identity information, their reputation will be affected.

Sorry, I've never had a credit card or loan. Does it matter if you want to borrow money to buy a house?

Since you don't have a credit card or a loan, you are a white household with credit information, so applying for a mortgage has certain influence. Banks refer to your information too little, and they can only know your willingness and ability to repay through other channels. Mortgage repayment takes a long time, and your loan interest rate may be better than that of non-white borrowers. However, the information obtained by the bank is not only to check whether you have a credit card, but also your bank flow and deposits, fixed or unfixed assets, so it will affect but will not become a major obstacle because of this.

: 1. What are the conditions and procedures of mortgage loan?

The information and procedures required for handling the house purchase loan are as follows:

Buy a new house:

ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (providing information on both husband and wife for married people)

Conditions: As long as there is a stable income and the bank has running water, the monthly running water is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.

Buy a second-hand house:

ID card, household registration book, marriage certificate, income certificate, bank account, (married couples provide information)

The conditions are the same as those of a new house: as long as there is a stable income and the bank has running water, running water every month is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.

Second, what qualifications do you need to buy a house with a loan?

General conditions:/kloc-a person with full capacity of 0/8 years old; The maximum age for male loans is 65 years old, and the maximum age for female loans is 60 years old; And the sum of the loan period and my age does not exceed the prescribed upper age limit, and the down payment shall be paid according to the prescribed proportion; No bad credit record; The total loan term shall not exceed 30 years; The monthly payment shall not exceed 50% of the total household income. Both husband and wife of the borrower are present at the same time.

Information to be provided: (1) 7 originals and photocopies of ID cards of myself or husband and wife, 5 in total. (Second-generation ID card, both sides of the ID card should be copied on a piece of paper at the same time);

(2) The original and photocopy of the household registration book (including the first page, the first page, the personal page and the co-owner page of the household registration book) of both the husband and wife;

(3) Marriage certificate: 1. Married: 3 originals and 3 copies of marriage certificate (photo page and content page) are required; 2. Single: 1 2 originals (validity period 1 month) The single certificate is issued by the marriage information data of the civil affairs bureau where the household registration is located; 3. Divorcees: 3 originals and 2 copies of divorce certificate (photo page and content page) or 2 originals and 2 copies of judgment or divorce agreement are required. At the same time, the original 1 issued by the civil affairs bureau where the household registration is located and two non-remarried certificates (validity period 1 month) are required; 4. Widowed: 2 originals and photocopies of the spouse's death certificate, and 2 originals and photocopies of the 1 non-remarriage certificate issued by the civil affairs bureau where the household registration is located (validity period 1 month);

Go to the bank to ask for a credit report. If I haven't borrowed money or applied for a credit card, is the credit report useful?

Go to the bank to ask for a credit report. If I haven't borrowed money or applied for a credit card, is the credit report useful?

If you have never applied for a bank loan or a credit card, you can maintain a good credit and have certain advantages in obtaining a bank loan. But in fact, banks are more willing to trust loans to customers who have dealt with them, so it is recommended to use credit cards and have a good credit record to handle loans.

I haven't borrowed money or applied for a credit card, so it should be no problem to check the credit report. Why did the loan fail? What do you mean?

If you haven't applied for a loan or credit card, it means that you are a white household and it is generally not easy to apply for a credit loan.

Hello, I haven't applied for a credit card. Why does the credit report show that I have a credit card?

Look at the specific issuing bank of the credit card on the credit report and contact the issuing bank for handling.

Many cardholders have applied for bank cards during their college years, and they all mistakenly think that they are savings cards, but in fact they are credit cards, which leads to their ignorance after the deadline. Contact the issuing bank for verification as soon as possible. If you are sure that the card is not handled by yourself, you should contact the issuing bank to handle it.

The credit report has been approved by the credit card of Guangzhou Rural Commercial Bank. I haven't dealt with this.

If you suspect that someone illegally uses your identity to apply for a credit card, you can call the Rural Commercial Bank to check through the ID number to find out what is going on. You are more practical, so you should keep your documents and materials strictly confidential in the future, and don't disclose them to others casually. Hope to adopt!

Never used a credit card to buy a house. Do you want to get a credit report?

There is not much need. If personal information and ID information are not leaked, there is no problem.

If you are not at ease, you can pull it and see if anyone else has used your ID card to apply for a credit card.

I haven't applied for a credit card. Can I check the credit information? How to check

If you apply for a credit account, you can check it. If there is nothing in the account, don't look it up. If you check too much, it will be bad for your credit. You have to apply for direct card, free connection and technology.

Can I check whether I have applied for a credit card for personal credit information? If I can't register, I just didn't apply for a credit card and loan. I haven't applied for a credit card and loan yet.

You can check whether there is an application, or you can go to the People's Bank of China or check the credit information online.

Why have I never got a loan or a credit card, and my credit rating is so bad?

Credit investigation also includes the record of mobile phone arrears and the judgment of civil non-payment. If you don't take these things, there is only one possibility that someone else has used your identity.

I have no credit history! No bad bank loans and credit cards! Do you want to pay back the online loan that is still 7000 yuan?

I want to return it.

What are the consequences of the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement;

When accepting compulsory execution, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

If the lender refuses to perform the effective judgment because there is no enforceable property under its name, negative information such as overdue repayment will be recorded in the personal credit report, and it will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.

What is the central bank's credit report? I don't have a credit card. Never borrowed money from the bank. Will there be a credit report?

Everyone has a credit report, but it won't be in your report

The ID card and mobile phone number are written on the mobile phone loan, but there is no loan. Does it matter?

Hello, it won't affect you. There are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

This is the end of the introduction about why I didn't apply for a loan and what happened to the loan. I wonder if you have found the information you need?