Excuse me, when you borrow money from the bank, do you pull the credit report yourself or the bank pulls the credit report?

According to the staff of Guangfa Bank, the number of credit inquiries is indeed one of the judgment bases for banks to review mortgage applications. Taking this behavior as an example, the number of credit inquiries of loan applicants in the last six months should not exceed 12.

A bank credit manager said that generally speaking, there are too many credit inquiries, and financial institutions will think that applicants may need money very much, have no good repayment ability, and have a high risk of default.

Many banks in Huai 'an have similar "controls" on the number of credit inquiries. Some banks stipulate that the number of inquiries can't exceed five times a month, while others are more strict. However, most banks said that the number of inquiries is only a reference standard, and banks will make comprehensive judgments according to the specific circumstances of individuals. Generally, they will not refuse to lend because this indicator is "out of standard".

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Internet companies' loan products have different requirements for credit reporting. For example, the staff of Ant Financial said that the credit reporting agency corresponding to Ant Flower Garden is Sesame Credit, not the central bank's credit reporting, so it will not affect the number of personal credit inquiries. Because ants borrow money from Ali Small Loan, they must check the credit report when they borrow money and pay back the money.

JD.COM customer service staff introduced that the use of JD.COM white stripes should be divided into different situations. Buy goods in JD.COM Mall without checking the credit information; However, buying a house with white stripes belongs to borrowing from a small loan company, and you need to check your personal credit information.

Tencent's public relations staff said that "micro-loan" is a credit product of Weizhong Bank. Borrowing money through it is the same as borrowing money from banks, and it must be entered into the central bank's credit information system.

People's Daily Online-Bank Reminder: The number of credit inquiries affects the loan application.