Does Sina Finance borrow money for credit investigation?

1. Does Sina Finance borrow money for credit investigation? What will happen if it is overdue?

With the development of the Internet, loan platforms that can be used on mobile phones have blossomed everywhere. Even the social apps that everyone usually uses are not to be outdone. A friend asked, does Sina Finance borrow money for credit investigation? What will happen if Sina Finance is overdue?

Does Sina Finance borrow money for credit investigation? After making an official inquiry to Sina, I learned that several lending products under Sina Finance have cooperated with banks, and most of the lending institutions behind them are banks. Therefore, borrowing money from Sina Finance, whether it is a loan record or a repayment record, is a credit report. Of course, in addition to inquiring about users' credit information when applying for loans, users should also inquire about users' personal credit information when registering quotas. Therefore, if there is a serious bad credit record on the user's credit report, it is impossible to apply for Sina financial loan. What will happen if it is overdue? 1. After the overdue loan generates penalty interest and liquidated damages, it will generate corresponding penalty interest and liquidated damages. Sina Finance's general penalty interest rate is five ten thousandths of the overdue amount (per day), but the penalty interest rate of each user is different, and the system will determine it according to the user's own credit rating evaluation. In addition to the penalty interest, Sina Finance will also collect liquidated damages according to certain overdue conditions. 2. Bad credit records after loans overdue will appear on users' personal credit reports, which will have a great impact on users' future credit business. In serious cases, lending institutions will owe people money, and users may be listed as untrustworthy after intervention. The above is the related question "Does Sina Finance borrow money for credit investigation?" I hope I can help you!

Second, is Sina staging legal?

Sina staging is legal. Sina staging is a fashion e-commerce platform under Sina, covering multi-functional scenes such as staged shopping, smart price comparison and global Haitao. The products are mainly fashionable shoes, fashionable clothes and beauty and skin care products that young people like. Sina staging mall advocates young white-collar workers to spend by stages reasonably and actively enjoy life.

Sina will report the borrower's bad lending behavior to the credit bureau in stages. Therefore, everyone should pay special attention when using Sina staging, and treat Sina staging like a bank loan. In addition to collecting points at the meeting, Sina has other punishment measures for those who are overdue. Sina will charge overdue customers a certain amount of late fees and penalty interest in stages, which is much higher than the normal loan interest. Therefore, lending should be carefully considered.

Third, do you have any credit information on Sina? What will happen if there is no money?

Do you collect credit at meetings?

Overdue loans issued by banks usually leave credit stains on credit records. Corporate loans can't get credit information, depending on whether small loan companies have an interface to connect with central bank credit information.

The data shows that there are less than 100 enterprises accessing the central bank's credit information interface in China. In other words, in most companies bidding, the borrower's loan record will not be recorded in the personal credit report. However, there will be a "blacklist" of the credit enjoyed by the company. If you always fail to pay back in loans overdue, not only can you not borrow money from this small loan company, but other small loan companies will also shut you out.

What should I do if there is overdue or credit stain?

If the borrower is not maliciously overdue and has sufficient reasons, it is necessary to bring relevant certificates to the borrowing bank to explain the situation. When the borrower pays off the overdue loan, it should not have much impact on timely repayment and maintaining a good credit record.

If there is "three consecutive days" (overdue for three consecutive months); "Tired six times" (accumulated six overdue repayments) is a serious situation. If this happens, banks usually classify users as problem users, raise interest rates or reduce quotas, and even refuse loans in serious cases.

If this happens, you need to do this: check your credit history regularly, and you need to communicate with the bank in time if you find your abnormal situation. If there are overdue accounts, you need to repay them in time and maintain good credit habits.

Under normal circumstances, bank loans mainly refer to the credit records of the past two years. If the previous overdue loan has been paid off, it will have little impact on the loan application. After paying off the arrears and interest, keep a good credit habit for another five years, and the overdue records will be deleted.