Post-loan management is neutral information in personal credit report, which belongs to soft inquiry, not negative record, so it will not have any impact on personal credit information, so it will not have any impact on users' mortgage application. However, there are many reasons for post-loan management, so when users apply for mortgages, banks or lending institutions may still analyze whether the user's credit information belongs to post-loan management under normal circumstances. If the post-loan management is caused by abnormal reasons, it may affect the user's application for mortgage to a certain extent.

What is post-loan management?

Post-loan management is the final link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent the occurrence of non-performing loans. The financial situation of customers is constantly changing. The customer may be in good financial condition when approving the credit extension. However, due to the influence of industry policies and customer's investment mistakes, the upstream and downstream influences (negative effects such as price increase of raw materials and product price reduction or demand reduction) will cause great adverse changes in the customer's financial condition. Post-loan management is to track the changes of the customer's industry, the upstream and downstream of the customer and the customer's own financial situation, including its commercial credit, find out the problems that may not be conducive to the timely repayment of the loan in time, and put forward the measures to solve the problems.

Post-loan management occurs

In addition to the bank's initiative to do post-loan management, some behaviors of customers may also trigger post-loan management, such as cardholder's application for withdrawal, promotion of temporary limit, application for bill installment, handling cash installment business or other loan business, overdue repayment and so on.

How to avoid "post-loan management"

If you use your card and repay your loan well, you can call customer service to complain about the "loan management" of banks or other financial institutions too frequently and apply for reducing the frequency of "loan management".

In addition, as a customer, if you have never applied for a loan or applied for a credit card in a bank, and the bank inquires about your credit record on the grounds of "post-loan management", it is illegal. You can complain to the relevant bank at the People's Bank of China.