Does credit checking affect loans, Zhihu?

Does microfinance inquiry have an impact on bank loans? There may be these consequences.

Nowadays, many people often deal with bank loans, such as mortgages and car loans, and generally seek bank loans. Many people have applied for small loans before bank loans, and they have been investigated for credit information. So does small loan inquiry have an impact on bank loans? Today, I will give you a brief introduction, and interested friends can learn about it.

Does microfinance inquiry have an impact on bank loans?

When applying for a bank loan, the bank will inquire about the borrower's credit information, not only the credit record, but also the inquiry record. Among them, the inquiry record will show the institution, time and inquiry reason of credit investigation in recent 2 years. However, microfinance will be recorded in the inquiry record, and the bank can check the credit.

The inquiry record of credit information can be divided into soft inquiry and hard inquiry, in which the credit information of microfinance is inquired by the reasons for loan approval, and the loan approval record is left in the inquiry record. Credit card approval and guarantee qualification examination are both hard inquiries, which have an impact on applying for bank loans.

Because too many times of hard inquiry records will make borrowers spend their credit information, credit users will make banks think that such borrowers are short of funds, have no economic strength, and even have the suspicion of supporting loans with loans, and the loan risk is relatively high, so banks will not lend money easily, and many people will be refused loans.

Therefore, borrowers should try not to apply for bank loans six months before applying for them. If too many applications cost the credit record, it is impossible to delete the credit record manually. It is best to keep the credit for a period of time, so that the influence of credit will gradually weaken over time, and then apply for a bank loan.

The above is "Does small loan inquiry and credit investigation have an impact on bank loans?" I hope it will help everyone.

Will too much self-examination and credit investigation on mobile phones affect housing loans?

Generally speaking, it won't affect you, but if you frequently check credit information for credit card application, application and guarantee in a short time, banks and financial institutions will suspect that your financial situation is not good and refuse the loan. Don't worry, if your credit is normal, there will be no problem and it won't affect your application for a mortgage.

Extended data:

How long will the credit inquiry record be eliminated?

Credit inquiry records will be automatically saved for two years, and will be automatically eliminated after two years. If there is a bad credit record, the credit inquiry record will be automatically eliminated after the borrower has paid off the loan for five years. In order to avoid unnecessary troubles, it is recommended that you repay the loan platform on time.

The number of personal credit inquiries is too high, so be careful to affect the loan!

It is generally believed that as long as the personal credit record is good, it will not be difficult to apply for a loan from the bank, because the bank attaches great importance to the borrower's personal credit report, but ignores that too many times of personal credit report inquiry will always lead to partial credit loan application failure. Recently, my friend encountered such a problem. Her credit history has always been good and is not overdue. Recently, she intends to buy a new house and apply for a loan from the bank, but because of the number of times her credit report has been checked in the past month.

What is a personal credit report?

Personal credit report records the historical information of credit transactions between customers and banks. As long as the customer has handled credit business such as credit card, loan and loan guarantee for others in the bank, the basic information and account information registered in the bank will enter the personal credit information system through the data submitted by the commercial bank, thus forming the customer's credit report. Personal credit information summary provides registered users with the summary information of their credit records, public records and inquiry records in the personal credit information system, while personal credit reports cover detailed information. Public records include tax arrears records, enforcement records, civil judgment records, administrative punishment records and telecommunications arrears records.

Too many times of report inquiry will really affect the loan!

It is reported that the number of inquiries of personal credit report itself is the reference for lending institutions to make credit decisions. The query record of credit report includes query date, query operator and query reason. If there are too many records of this information, it will affect the credit evaluation and lending of financial institutions to customers. Because in the bank's view, if a customer's credit report is inquired many times by different banks for reasons such as loan and credit card approval within a certain period of time, but the inquiry records show that the user has not obtained a new loan or successfully applied for a credit card during that period, it means that the borrower's financial situation may be poor and there are certain risks, and the bank will decide whether to approve the loan more carefully.

According to the recent report of Securities Daily, I can tell you that banks have different requirements on the frequency of credit inquiry. Generally, it can't be more than 6 times a month, otherwise it is likely to affect the approval of loans such as mortgages. In addition, in a few cases, if the number of inquiries exceeds 2 times a month, the application pass rate will also decrease.

Does the credit record have an impact on mortgage approval?

Credit records affect mortgage approval. If there are too many credit inquiry records in a short period of time, and most of them come from mortgage institutions, it will give banks the impression that borrowers are short of money. People who are short of money are at greater risk of default, so it will affect the results of mortgage approval, make the bank's audit more strict or the loan will be rejected.