Does Weibo's personal credit report have an impact on mortgage?

Does Weibo borrow money for credit investigation?

Weibo borrowed money for credit investigation.

In 2020, Weibo borrowed money for credit investigation. According to the regulations, relevant financial institutions should truthfully report the loan repayment records to the credit information system. Normal credit loan and repayment information has no influence on personal credit, but it is a proof of personal credit, but overdue repayment records will have a negative impact on personal credit. It is suggested that the borrower repay the loan on time to avoid unnecessary losses.

It should be noted that in addition to the overdue credit information at the meeting, Weibo will also inquire about the credit information when applying for a loan. Credit records will be left after the application, and frequent credit information in a short period of time will have a negative impact on personal credit information.

Doesn't Weibo's overdue loan affect the house loan?

If you don't repay the loan within the time limit, the customer service in Weibo will call to remind you that the credit information system at the overdue meeting will affect the personal credit information of the future house purchase loan relationship.

Online loans have credit records. If it is not overdue, will it have an impact on car loans and mortgages?

Normally, no matter whether you use a credit card or an online loan, as long as it is not overdue, you can learn from the behavior that this person has a good foundation of trustworthy behavior and will not have adverse effects and unknown risks due to overdue. It will not affect car loans and mortgages. Online lending needs strong institutional support. Because the whole process must be carried out on the network platform, it is necessary to build a strong credit system to support online loans. The system must be able to accept loan applications, conduct a comprehensive analysis of customers and finally issue loans. Due to the huge daily transaction volume on C2C platform, the manpower, material resources and financial resources spent by this powerful system are unbearable for any commercial bank. Therefore, the relevant government departments and trade associations must coordinate and communicate so that every commercial bank can participate. With the expansion of such loans, the final loan cost will have a great cost advantage over conventional loans.

Some points for attention in online loan:

The financing difficulty of small and medium-sized enterprises is a well-known problem, especially when bank credit is tight, the road to financing is even more difficult. In this environment, some lawless elements, in the name of "online loan", take advantage of the psychological characteristics of small and medium-sized business owners, such as being eager for money, relaxing their vigilance and even being hungry for food, and falsely claim that "no mortgage or guarantee is needed". And carefully arranged for them to lead the king into the urn, causing huge losses to small and medium-sized enterprises.

No matter how clever liars are, they always have something in common. Summarize the information of all parties and sort out a few points for your attention, hoping to have some reference.

1. Establish a website under the banner of a professional company.

This kind of website often takes the name of "loan company" and "investment consulting company", and sometimes the words "there are agencies all over the country" appear on the website, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. However, if you carefully observe such websites, you will find that they generally leave no landline and address, only mobile phones or QQ, even if they leave an address, they can't stand careful inspection.

2. "Unsecured, unsecured" and "Lending on the same day"

In many "online loan scams", attractive slogans such as "unsecured, unsecured" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this kind of scam, once the small and medium-sized business owners are hooked, they need to pay a certain fee and deposit. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.

3. Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and their domain names are only one or two words apart from those of regular lending institutions. Most project parties need to be more cautious when making inquiries.

4. Online transfer scam

In the online transfer scam, the swindler will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.

Will micro-credit information have a negative impact on mortgage application?

Not as long as the small loan is not overdue.

If the personal credit record has an impact on the mortgage application, there are only two possibilities:

1, credit card arrears or unpaid by loans overdue;

2. Applying for multiple loans or credit cards at the same time within a specific period of time, resulting in many institutions leaving records of inquiring about credit information, and being questioned by loan banks about their repayment ability.

If the handling personnel have doubts about the credit record of micro-loan when applying for mortgage loan, they can call the customer service of micro-loan, and Weizhong Bank can also issue corresponding written certificates to dispel doubts when necessary.

Extended data

Personal credit information content has the following categories:

First, personal basic information. Including personal identification information (name, gender, certificate type and number, mailing address, contact information, marital status, etc.). ), residential information (residential address and zip code, etc.). ) and professional information (company name, address, postal code, position and income, etc.). ).

2. Credit transaction information. Including credit card details (card type, card issuer, currency, credit limit, overdraft/repayment status, etc.). ) and loan details (loan type, lending institution, guarantee method, currency, loan amount, loan balance, repayment status, etc.). )

Personal housing provident fund information (account number, unit, deposit ratio and payment status, etc.). ), personal pension insurance information (the location of the agency, retirement category and pension payment status, etc.). ), personal telecom payment information (submitting organization name, business situation and payment/arrears, etc.). ), and query the record.

Factors affecting credit records:

Loan information (including loan issuing bank, loan amount, loan term, repayment method, actual repayment record, guarantee information, etc.). )

Credit card information (including issuing bank, credit line, repayment record, etc.). )

Credit information outside the credit field

Personal payment information of public utilities such as water, electricity and gas.

Personal tax arrears information

Court decision information

Scope affected by credit history:

Buying a house with a loan (whether you enjoy preferential mortgage or not, regardless of your credit history)

Bank loan (the bank decides whether to lend, the loan amount and the loan term)

Apply for a credit card (if the repayment is overdue or the water and electricity bill is overdue, the credit card application will be rejected)

Personal car loan (good personal credit)

Enjoy government benefits

Apply for a job

rent a house

Purchase insurance

reference data

Baidu Encyclopedia-Personal Credit Survey