1. Can I still get a loan from the bank if my credit card has not been paid off?
As long as the bank regulations are met and the credit card has not been paid off, you can still apply for a loan at the bank. Please refer to the regulations of various loans for reference:\1. Three joint guarantee loans\Three operating economic entities Use your own industrial and commercial certificates as a link to guarantee each other and get a loan from the bank; \Loan procedures require: provide their respective identity certificates, household registers, marriage certificates, industrial and commercial certificates, tax certificates, capital flows, business status and other relevant certificates, and repayment The person in charge is the person in charge of each business; \2. Mortgage loan\ Use real estate as a mortgage loan, that is, use the real estate (real estate) as mortgage and use the operating enterprise (industrial and commercial license) as the lender to apply for a loan. \Loan procedures require: Identity certificates of the borrower and his wife, household register, marriage certificate, real estate certificate, land certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank flow of funds, and house evaluation report; \3. First-hand house mortgage loan\If you buy a newly developed house, you need to use the newly purchased property as a mortgage and apply for a mortgage loan for the lender yourself. \Loan procedures require: Identity certificates of the borrower and his wife, household register, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), house-free certificate, unit income certificate, and guarantee certificate from the guarantee company. \Generally, developers collectively handle first-hand housing mortgages, which is relatively simple. \4. Second-hand house mortgage loan\ If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. \Loan procedures require: identity certificates of the buyer and seller, household register, marriage certificate, real estate certificate, land certificate (or copy), sales contract, deed tax receipt, appraisal report, income certificate of the buyer and his wife and proof of no house.
2. If I have not paid off my credit cards from other banks, can I still apply for an Agricultural Bank of China loan?
It depends on the specific situation. If you fail to repay for a long time and form a bad record, it will have an impact on the approval of the Agricultural Bank of China loan. Especially if the amount of arrears is large, it is best to deal with the credit card first. Arrears question
3. Can I still apply for a loan if my credit card has not been paid off?
If you have not paid off your overdraft in time, you have been blacklisted by the bank and it is impossible to apply for a new credit limit. , and at the same time, you have been recorded in a bad credit record, which will affect all your future banking business. You must return it as soon as possible, otherwise, there will be greater trouble. Good luck.