Credit loan requires the borrower to have a stable income, and a good credit investigation is also one of the necessary conditions. Credit loans require extremely high credit records of borrowers, because credit loans are loans secured by borrowers' credit.
Credit loan requires the borrower to have a stable job and income, and must be able to provide bank running water. Second, look at the credit requirements. The common requirements of different institutions for lenders are-good credit report. So what is a good credit investigation? Of course, it is undoubtedly the best to have a credit record but no overdue record. But it's not loans overdue, so you can't get a loan. Different banks have different standards for "good credit", and general banks still allow a few borrowers to overdue. Ping An Bank can be regarded as "good credit" as long as the number of overdue borrowers is less than 5 times in 2 years, less than 4 times in 1 year and less than 3 times in half a year. There are also some banks that identify "bad credit information" by accumulating overdue times and continuous overdue time.