Is it true that credit cards affect loans?

With the rapid development of economy, people's consumption concept has also undergone major changes. Consumption ahead of schedule and consumption ahead of schedule have been further rooted in people's hearts, and many young people will swipe their credit cards when shopping and spending daily. However, some people find that their loans are rejected because they have credit cards, so is it true that credit cards affect loans? Let's take a look together.

In general, the credit card application will not affect the loan. On the contrary, if the credit card holder uses his credit card well, he can prove his repayment ability, so as to gain the favor of the bank and get more loan amount. However, there are also cases where credit cards affect loans, as follows:

1. Credit cards are overdue for more than six times in two years, and you cannot apply for provident fund loans

Personal credit cards are overdue for three consecutive months, or they are overdue for more than six times in two years, so you cannot apply for provident fund loans. Generally, when banks or provident funds handle loans, they mainly rely on the lender's 2-year credit record. Therefore, cardholders who intend to handle provident fund loans to buy a house should not use credit cards easily, and must ensure timely repayment.

2. Personal credit information is bad, and the interest rate of commercial loans should be raised

If some people who want to borrow money to buy a house have overdue their credit cards many times, resulting in bad personal credit information, then they can definitely not apply for provident fund loans, so they can consider using commercial loans. However, considering that borrowers have bad credit records in the past, most banks will raise the benchmark interest rate by at least 1%. Of course, if your overdue is very serious and too many times, the bank will not approve your loan application.

To sum up, the credit card will affect the loan only when you fail to repay the credit card on time. Under normal circumstances, it will not affect the loan application, so remind all card friends not to overdue the loan.

Is there a relationship between credit cards and housing provident fund loans?

Credit cards have a certain relationship with housing provident fund loans. If there are bad behaviors such as overdue credit cards, it will affect the issuance of housing provident fund loans.

Taking Zhengzhou Housing Provident Fund as an example, according to the Instructions for Housing Provident Fund Loans, the loan conditions of housing provident fund are as follows:

1. The borrower and his spouse have valid identification;

2. The specified down payment has been paid, with down payment+loan amount = total house price, and the house payment has not been paid;

3. The borrower has continuously and normally paid the housing accumulation fund for more than 6 months (inclusive), and the recent unpaid amount is no more than 4 months;

4. The family has a stable income, a good reputation and the ability to repay the loan principal and interest;

5. Agree to provide the loan guarantee method approved by the Housing Provident Fund Management Center;

6. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Extended information:

Article 26 of the Regulations on the Administration of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loans

Is there a relationship between credit cards and bank loans? This is the most suitable way to use a card

Although credit cards and bank loans are both bank businesses, one is the responsibility of the credit card department and the other is the responsibility of the loan department. The two departments have their own functions and seem to be irrelevant. However, if credit cards are used properly, the loan pass rate can be greatly improved. Let's take a look.

do credit cards have anything to do with bank loans?

There must be. Using a credit card can establish credit in advance, show your spending power to the bank, and make your repayment ability recognized. For this reason, it is relatively easier for friends with credit cards to borrow money than for white households.

After all, if white households don't have a credit card, their credit records will be blank, and banks can't evaluate their debts and repayment ability well. To apply for bank loans, they will need to provide more proof of repayment ability, such as work certificate, salary running, social security certificate, etc.

however, it is not necessary to have a credit card to handle bank loans successfully, but also to use it properly.

1. It is best not to be overdue. Although the credit card is overdue once or twice, it is possible to apply for a loan if it is not overdue in the current period, but it may not be able to enjoy the preferential loan interest rate. The bank may rise a few points on the benchmark interest rate, so it is necessary to pay more interest.

2. The credit card debt ratio should be controlled. Before applying for a loan, it is recommended to pay off the credit card debt. If it cannot be repaid in full, try to hide the real debt by installment, and keep the debt below 5%, which will help the loan, otherwise the high debt ratio will make the bank question the repayment ability and affect the loan approval.

3. The number of credit cards should be controlled, and it is best not to have more than five credit card issuers, otherwise the bank loan may be rejected because of multiple credit lines.

does swiping a credit card affect the loan amount? It's clear after reading it.

When we apply for a loan, the lending institution will approve a loan amount for everyone, and there are many reference factors, such as the borrower's credit conditions, liabilities and so on. Some friends are worried that the loan amount will be affected because they have swiped their credit cards. Let's analyze the relationship between credit card and loan amount today.

In fact, loans related to credit cards are usually loans that check credit information, such as bank loans and loans from licensed financial institutions. During loan approval, the borrower's credit report will be checked to find out the borrower's credit and liabilities, and then decide whether to approve the loan and how much the loan amount is.

swiping a credit card will affect the loan amount, mainly in two aspects.

the first aspect is that the amount of credit card swiped is relatively large, and it has not been repaid before the loan, which will increase the borrower's debt ratio. In this case, the lender will think that the borrower is risky and the repayment ability is not very high. In order to control the non-performing rate, it may not give too high a quota or even refuse to lend.

the second aspect is that after swiping the credit card, the repayment is not made within the specified time, and the overdue behavior is reported to the central bank for credit reporting, leaving a bad credit record in the letter newspaper, which will make the lending institution question the borrower's credit reporting and repayment ability, and the lending institution will be worried about the bad influence on the loan, and will be more cautious in lending quota, or even refuse the loan.

in short, if you don't want the loan amount to be too low, you'd better not swipe your credit card before the loan, so as not to affect the loan amount. It is really in urgent need of+++.You can borrow money from friends and relatives first, and then swipe your credit card after lending, which is safer.

Let's stop here for the introduction of the relationship between credit cards and loans.