Online loans have credit records. Does not overdue 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 understand from the behavioral side that this person has a good foundation for 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 lending. This system must be able to accept loan applications, comprehensively analyze customers and finally issue loans. Due to the huge daily transaction volume of C2C platform, the manpower, material resources and financial resources spent by this powerful system are unbearable for any commercial bank. Therefore, 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.

Several vigilance points of online lending:

The financing difficulty of small and medium-sized enterprises is a well-known problem, especially in the case of tight bank credit, the financing road 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 a liar is, he always has 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.

Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, 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 to look carefully.

2. "Unsecured, unsecured" and "same-day loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" 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 scam, once the small and medium-sized business owners are hooked, they are required to pay a certain fee, deposit, etc. 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 the domain name is only one or two words less than that 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 fraudster 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.