Can I get a loan if my credit is overdue? Can I get a loan when my credit is overdue in Zhihu?

I want to ask if I can apply for a loan if it is overdue.

If the user is overdue, but the overdue record is not uploaded, then the user can apply for a loan.

Overdue records will be uploaded to credit information. Users cannot apply for loans before the overdue records are deleted. Even if they apply for a loan, the loan application will be rejected soon.

One of the conditions for applying for a loan is that the user is required to have good credit information, and it is impossible to apply for a loan if the credit information is not good.

Overdue records will be kept in the credit information for 5 years after settlement, so the credit information of users can return to normal after 5 years. If your credit card is overdue, try to provide the bank with proof of your repayment ability, such as asset certificate or guarantee in your name.

Can I get a loan if my credit report is overdue 1 time?

It won't affect. At present, most banks grasp the scale of overdue credit reporting: no more than 6 overdue repayments and no more than 3 consecutive overdue repayments.

Conditions to be met for the loan:

1. The applicant has full capacity.

2. The applicant has reached the age of 18, but the total age at the time of loan and during the loan period cannot exceed 70.

3. The applicant has a stable job and income source, and has the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. Good credit, and the credit record meets the access requirements of the lending bank.

6. Other conditions stipulated by the lending bank.

Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Loan Type 4: Self-operated loan

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

Loan Type 5: Housing Mortgage Loan

Many people buy houses and apply for mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

There is an overdue record of credit investigation. Can I still get a bank loan to buy a house?

Yes, only when the credit is overdue can you borrow money to buy a house, and as long as you meet other requirements of the mortgage, you can basically pass the examination and approval, because the requirement of the mortgage for credit information does not mean that it will not work once overdue, but there is a degree. There is only one overdue record in the credit report, which is not serious.

When applying for a loan to buy a house, as long as the lender's credit report does not include overdue repayment for three consecutive months, it will not be directly rejected by the bank. Three consecutive months refers to overdue repayment, and six refers to accumulated overdue repayment. If the applicant's credit record is overdue, the bank will think that his repayment credit is not good and refuse the loan application.

Credit information is only overdue once, far less than three times in a row, so it is not a big problem to buy a house with a loan. The main lender has sufficient repayment ability, and the bank can ignore this small flaw.

If you plan to borrow money to buy a house in the future, you must protect your credit information, because poor personal credit information usually leads to problems such as increased materials, extended loan approval period and rising loan interest rate when applying for a mortgage from a bank, and even more serious, it will lead to refusal to lend.

Extended data:

How do buyers apply for loans to buy a house?

1, mortgage service, we should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. After confirming that the property you choose has bank mortgage support, the buyer should know the bank's regulations on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the loan application form.

3. After receiving the legal documents related to the mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that it meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, sign the loan contract with the developer and the bank based on the relevant legal documents stipulated by the bank, and specify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Property buyers, developers and banks shall go through mortgage registration and filing procedures with the real estate management department on the basis of loan contracts and purchase contracts. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

6. After the signing of the loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the loan contract.

Does an overdue credit report have an impact on loans?

Just because there is an overdue record on the credit information does not mean that you cannot apply for a loan in the future. It's just that overdue credit records will really affect the success rate of loans, but the application is still possible.

1 is just an overdue record, and the impact will not be particularly great. As long as users pay off their debts in time and maintain good personal credit, it is not difficult to apply for loans.

2. If the user applies for online loans, it will generally not affect whether there are overdue records on the credit information. After all, the application threshold of most online loans is very low, and the credit information of borrowers will not be queried.

3. However, if you apply for a loan by going to a bank or a formal lending institution, or accessing a large loan platform of the central bank's credit information system, then credit information is very important. And if there is a situation of "three times and six times", users basically don't want to borrow money.

4. If you are not sure about your credit loan record, you can get a personal credit big data report in Eagle Heart.

Credit is very important to our life. For example, if the credit is overdue only once, it can be replenished. However, if there are too many overdue records on credit, and the overdue situation is serious enough to be included in the list of untrustworthy people, then normal travel will be affected.

Extended data:

What does "three tired six" mean?

"Three consecutive years and six consecutive years" means that the lender is overdue for three consecutive months or six times in two years, that is, it is listed on the bad credit list by the bank. During this period, the loan application will be affected, and the bank may raise the mortgage interest rate, reduce the loan amount or even refuse the loan directly.

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