You cannot apply for a loan if it is overdue for more than 3 months. \x0d\1. Credit reporting requirements:\x0d\1. There cannot be 1 in 3 months (cannot be overdue once in 3 months)\x0d\2. There cannot be 2 in half a year (cannot be overdue twice in half a year)\x0d \3. In the past 24 months, there must be no 3 consecutive overdue payments and 6 consecutive overdue payments (24 months means no 3 consecutive overdue payments within 2 years and a cumulative total of 6 overdue payments). \x0d\ 2. There are two situations when there are problems with credit reporting: observation and prohibition: \x0d\1. If the borrower falls into the observation category, you can increase the down payment and submit additional supporting documents, and you can also get a loan\ x0d\2. The prohibition means that the bad records are more serious, and the borrower's loan application will no longer be accepted unless there are no more bad records within 5 years. \x0d\ 3. Banks divide customers’ overdue situations into several levels, such as level one (forbidden), level two (substandard), level three (defective), and level four (normal): \x0d\1. Forbidden category It means that the customer cannot be granted credit, including loans, credit cards, etc., the same below; the standard is generally that within the past 24 months, the highest overdue date is more than 60 days, the cumulative overdue rate is more than 6 times (sometimes 9 times), or the current account status is It is abnormal, including overdue, frozen, using assets to offset debts, guarantor compensation, etc. \x0d\ 2. Substandard, prudently extend credit to customers. The highest overdue in the last 24 months is 31-60 days, with a total of 3 to 6 times The above account status is normal\x0d\3. Defect type. There is a small default, but it will not affect the repayment. Credit can be granted. In the past 24 months, the overdue period is within 30 days, or within 3 times in total\x0d\4. Normal Within the period, relatively high-quality customers have no overdue payment or no inquiry records in the past 24 months.