how many times are overdue for bank loans?

as we all know, the loan requirements of bank institutions are much stricter than those of other commercial institutions. Borrowers are not only required to have a stable job and income, but also have a good credit record. However, if your credit is bad, no matter how high your income is, it is useless. Then, you can't apply for a bank loan if your credit is overdue several times?

according to the regulations of the bank, if the borrower's credit is overdue for three consecutive times or six times in two years, he can't apply for a bank loan. If the borrower is overdue only occasionally, he can apply for a loan after the bank verifies it.

However, generally speaking, the personal credit report will only record the credit information of the borrower in the last two years. If the borrower has a bad credit record, don't worry too much. As long as you keep a good credit record in the future and cover the old record with a new record, the bad record will be gone after a period of time.

I would like to remind you that personal credit records have played an increasingly important role in our lives, and borrowers need to keep good credit records to prepare for applying for loans again in the future. If some friends who can't meet the requirements of bank loans want loans, they may wish to consider some formal online lending platforms. The threshold of these companies is not as high as that of banks and they can get loans faster.

I can't apply for a loan if my credit card is overdue for more than a few times?

In most banks, personal credit record is an important reference indicator when handling loan business, but users will not be "killed with a stick" just because there is a credit card that fails to repay the loan within the time limit.

when evaluating loan applicants, banks will definitely focus on evaluating the applicant's personal credit, in addition to the repayment ability and loan purpose. However, banks have different standards for "how many times overdue loans cannot be made".

generally speaking, if the total overdue times reflected in the credit report are no more than 6 times and no more than 3 times in the past year, the bank will think that there is no serious problem with the credit record. If the applicant doesn't have a loans overdue record, and the number of overdue credit cards is only once or twice, such a credit investigation will not have a serious impact.

however, if it is overdue at present, that is, a credit card is overdue when applying for a loan, even if the credit is very good before, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan.

From the above, it can be seen that if a credit card is overdue, it does not mean that the loan cannot be made. As long as the borrower has good repayment ability and the overdue times do not exceed the bank standard, the loan can still be made. Therefore, if you want to get a smooth loan, you should still pay attention to credit, use your card carefully, and form a good habit of using it.

The number of overdue credit cards can be divided into three situations: the current overdue period, the cumulative overdue period and the maximum overdue period, as follows:

1. The number of overdue periods in the current period refers to the number of times that the minimum repayment amount has not been paid continuously. For example, if the cardholder fails to repay for three consecutive months, or the repayment amount for three months is lower than the minimum repayment amount, then the current period is three times;

2. Cumulative overdue times: the cardholder will accumulate every overdue time. For example, the cardholder is overdue in the first month, repays on time in the second month, and is overdue in the third month, so the number of overdue times is 2.

3. Maximum overdue times: the historical maximum of current overdue times. For example, if the cardholder's current overdue times in January-October is 5, then the maximum overdue times will be 5.

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You can't get a loan for several times overdue

loans overdue: According to the regulations of bank banking, the lender can't apply for a bank loan if loans overdue happens three times in a row or six times in two years.

If the borrower is overdue only occasionally, and pays off the arrears within a short period of time, you can also apply for a loan. Moreover, the personal credit report will only record the credit information of the lender in the past two years. If the lender has a bad credit record, don't worry too much. Just keep a good credit record in the future and cover the old record with a new record. After a period of time, the bad record will be gone, and you can apply for a loan at the bank.

how many times can't I get a loan when my credit is overdue? Each lending institution will have different policies. Some lending institutions strictly control overdue credit reporting, while others are more relaxed. For example, ant borrowing is more tolerant of the number of overdue credit reports of lenders. In recent years, it is possible to apply for a loan if the number of overdue times exceeds six, as long as the personal sesame credit score is high enough. The loan APP products under the bank have strict requirements on the number of overdue personal credit reports. In the past two years, the number of overdue times has exceeded 6, and it is basically impossible to apply for loans.

This is the end of the introduction about how many times the bank can't lend and how many times the bank can't lend. Did you find the information you need?