Depending on the overdue nature and court judgment, if the credit card overdraft of the loan applicant and his spouse is overdue, the loan application will not be accepted; In the two years before the lender applies for a loan, if either spouse is overdue for six consecutive periods or more, the loan will not be issued.

The state-owned provident fund has raised the standard of using credit records. Loan applicants and their spouses who have outstanding overdue loans or overdue overdrafts of credit cards or quasi-credit cards will not accept loan applications.

If residents have a good credit record, it will also play a very positive role in their future economic life such as buying a house, buying a car and getting a loan.

Overdue credit cards will leave a stain on personal credit information and affect later loans.

Loan preparation conditions:

To have a fixed income, it depends on the salary details;

At least 18-65 years old;

If the loan is used for business or car purchase, there must be a guarantor and mortgage;

Good credit information.

Materials to be prepared for the loan:

The identity card of the lender;

Credit information of the lender in the past six months, and the credit information is good;

The bank card under the lender's name has been flowing for nearly half a year without interruption;

Proof of the lender's residence permit (rental contract, real estate license, water and electricity invoices for the last three months);

Income certificate issued by the lender's work unit;

Social security, insurance policy and provident fund can also be loaned.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.