1. As long as it is not overdue, it will not affect the credit investigation. However, credit loans will reflect your debt and credit situation in the credit survey. Credit loan is actually a credit loan, also called pure credit loan, which is a kind of financial loan that you can apply for without providing any mortgage. Correspondingly, mortgage loans and credit loans are based on credit investigation.
Credit loans are very popular, and all banks and financial companies have such loans. The most common credit loan is online loan. You only need the mobile phone number and ID card of the real-name registration system to make payment. There is also the bank's credit loan, which requires higher requirements. You need to have a punch card salary or social security accumulation fund to apply. Another common credit card is the credit card reserve fund. As long as your credit card is in good condition, the bank will give you an installment loan and we will become a credit card loan. Then there are credit loans, corresponding to mortgage loans, such as real estate mortgage loans, vehicle mortgage loans and so on.
3. Every loan you apply for a credit loan will be reflected in the credit report, but as long as you are not overdue, it has no influence on the credit report. Credit loans overdue will leave overdue records on the credit report. When you apply for a credit card or loan again, it is easy to be rejected. If it is not overdue, the credit investigation will only record the credit, liabilities and repayment of the credit loan, such as the applied amount, the number of installments and the outstanding amount. A credit loan is 100% as your debt, regardless of whether the money is used or not. Credit cards are different. The amount of credit card used is counted as your debt, and the unused part is not counted, but both of them will occupy your personal credit limit. For example, if the credit line you apply for is relatively large, then when you apply for other loans or credit cards again, the credit lines of loans and credit cards will be relatively small, because everyone's credit line is fixed by the central bank for a short time, so if one party accounts for too much, the credit line of the other party will be reduced.
What is the impact of credit reporting on loans?
1. If you don't repay the loan, the credit will be tainted, so the credit is for your better repayment. It will affect your future application for a loan to buy a house, buy a car and fly.
2. If the credit record is poor, it is a serious injury in the eyes of bank employees. Therefore, for the convenience of your future loan, please repay it on time.
3. Too many loans, especially small loans, have a serious impact on bank loans such as credit cards and mortgages in the future. This is not conducive to their own development.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
Does the loan affect credit reporting?
Loans may affect credit information. As long as the borrower is a financial institution applying for credit information, such as Alipay, Bank and Instant Finance. , the borrower's loan and repayment records will be uploaded to the personal credit information system regularly. If there are overdue records, personal credit information will be affected, and normal use and timely repayment will not have any negative impact.
If the object of borrowing money is a small institution that does not receive credit information, it will not affect credit information. Relatively speaking, small lending institutions that do not receive credit information are mostly informal institutions and should be avoided as much as possible.
If customers apply for more loans, it will have a certain impact on credit information.
Because the credit investigation will inevitably show too many loan records, although this is not a bad record of overdue payment. However, if you apply for credit business at a later stage, banks (lending institutions and platforms) will find that there are too many recent loan records on the customer's credit information, and they will worry that the customer's repayment ability is insufficient, and may refuse to approve the loan because the customer has borrowed many times and has too much debt.
Moreover, when banks (lending institutions and platforms) apply for loans, they usually need to inquire about credit information in the name of "loan approval", so if there are too many loans, they will leave too many inquiry records in the name of "loan approval", and if there are too many such "hard" inquiry records, it is easy to get "flower" credit information.
Therefore, customers are advised not to apply for loans frequently, but to handle them according to actual needs. For example, there are many loan lines that can be recycled during the credit period, and the lines can be restored after the payment is completed, and customers can borrow again. Therefore, it is enough for customers to maintain good credit and apply for several loans.
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Credit information is a reflection of loan information, and all loans (formal) will be credit information.
The basic characteristics of the crime of "routine loan";
The first is to create the illusion of private lending. The defendant solicited business in the name of the company, signed a loan contract with the victim, created the illusion of private lending, and defrauded the victim to sign a "false loan contract", "yin and yang contract" and a real estate mortgage contract in various names such as "liquidated damages" and "deposit", which was obviously unfavorable to the victim.
The second is to create traces of running water in the bank and deliberately create the illusion that the victim has obtained all the money borrowed from the contract.
The third is to unilaterally and arbitrarily determine that the victim has breached the contract and ask the victim to repay the "inflated loan" immediately.
The fourth is to maliciously raise the loan amount. When the victim is unable to pay, the defendant introduces other false "companies" or individuals, or "plays" other companies to sign new "false loan contracts" with the victim, so as to "balance the accounts" and further increase the loan amount.
Fifthly, to "collect debts" with both hard and soft methods, or to file a lawsuit against false litigation, so as to seize the property of the victim or his close relatives through a successful judgment.
Will credit loans affect credit reporting?
If the credit loan is not overdue, it will not affect the credit investigation.
I. Credit loans
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
According to the description in the General Principles of Loans, a credit loan refers to a loan that is not guaranteed and is only issued according to the credit status of the borrower. When granting credit loans, lenders must strictly examine and evaluate borrowers to confirm their credit status and repayment ability.
The original "General Principles of Loans" even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.
Second, the factors affecting credit reporting
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Credit loans and credit cards issued by banks are all connected to the central bank's credit information system, and inquiry records will be left when applying. For example, when applying for a loan, the loan approval record will be displayed in the credit inquiry record, and the credit card approval record will be displayed when handling a credit card.
In addition, some people provide guarantees for others to run credit business, and banks need to examine the qualifications of these people, such as whether the credit is overdue and whether the personal debt ratio is high. Once inquired, they will leave a record of the guarantee qualification review on the credit.
Whether it is credit card approval record, loan approval record or guarantee qualification examination record, these unified records are called hard inquiry records, which are one of the key records for handling credit business and can indirectly reflect the applicant's financial stress.
If there are too many such records in a short time, the inquiry institution will think that the applicant is short of funds and needs to apply for credit card turnover urgently, and then doubt his application motivation, such as whether he intends to raise the card by loan, raise the card by loan, raise the card by card, etc., and then refuse to apply.
Credit loans have no effect if they are not overdue. Personal credit records are kept in the credit information system of the People's Bank of China. You can try to log on to the website of Credit Information Center of China People's Bank to check the credit report. ② At present, personal credit reports are also inquired through our counter and professional edition (no charge for the time being).