Young man, please don't waste your credit easily.

This Monday is the day when I made an appointment to handle the provident fund loan business. I felt dizzy when I filled out a thick stack of papers. I filled in four or five copies of each document, and I read it word by word. I'm afraid that if I fill in the wrong number and format, I'll have to fill it in again. What is126.43m2 and what is 48,269.29? I have filled it in too many times. I was not good at math since I was a child, but this time these figures have been engraved in my mind. That's ridiculous.

Let's get down to business. This time, the provident fund center almost refused to lend money to my business. The reason is also a joke. Just because my classmate used my Alipay account to borrow a sum of about 17000 from Ant Borrowing and Zhaolian Finance, it took about one and a half years before and after. Every time I reached the repayment date, I paid it back on time, paid interest, and immediately reset it.

I think most of us young people have played this trick, and we are proud of our cleverness. As we all know, every sum of money you borrow will appear in your personal credit report. No matter whether you borrow 50 yuan or 5,000 yuan, it is a loan record.

Speaking of which, some people will say, I paid it back, and there is no overdue repayment! Yes, you are not overdue, but because you borrowed too much, more than 20 times, and the provident fund center directly refused to give you a loan, which is such a overlord clause. Suddenly thought of a word from Ma Yun. If the bank doesn't change, I will change banks. I vaguely feel that both Ali and the bank feel a little bitter.

My classmate is, because there are 45 times to borrow money, my colleagues in our company actually borrowed 249 times, and they also borrowed 20 yuan. What a talent! They didn't pay back the money on time, and the provident fund center refused to lend it to them directly.

You can't take a provident fund loan, either buy a house in full or take a commercial loan. I think buying a house in full is the patent of a few people, and most people choose commercial loans. But the interest rate of commercial loans is 5.8%, and the provident fund loans are 3.8%. This is just a rough figure, I can't remember it clearly. You just need to know that commercial loans are nearly twice as much as provident fund loans. For example, in 20 years, provident fund loans only need to pay interest of 6.5438+0.8 million, while commercial loans need to pay interest of 280,000. I think most people will choose provident fund loans!

In a word, I want to express a view to our young people. Don't easily consume your credit for the so-called early enjoyment. If you don't protect your credit, others won't help you! Matching consumption and ability is not a good habit, nor is profligacy a good habit. Don't wait to do something serious and suddenly fall off the chain. It's too late to regret.

All the above are personal experiences, not professional explanations, but general meanings. Don't take them seriously.