A person who is blacklisted by the bank for violating laws and regulations and can no longer apply for a loan from the bank is called a bank black account. People with a large number of bad records in their personal credit records will be called credit black households.
1, bank black account
Black households in banks cannot apply for mortgages, car loans and credit cards from banks, and banks will also refuse to provide other financial services to customer service.
2. Credit information black households
In addition to being unable to apply for loans from banks, it is also difficult for black households to apply for online loans. At the same time, users with bad credit information will be blacklisted if the circumstances are serious, which will affect their children's reading, daily consumption and travel.
Matters needing attention in loan car purchase
1, interest-free car loan ≠ no handling fee
Nowadays, in order to attract consumers to buy their own cars, many dealers will offer interest-free car loans, but this is not the case, because although they give you interest-free on the surface, they actually charge a handling fee, which is actually similar to interest, not really interest-free as they say.
You need to buy car insurance.
Under the premise that the loan for buying a car has not been fully paid off, the acquaintances of the car do not belong to consumers. In order to reduce the risk, dealers usually put forward some car insurance that must be purchased as loan conditions in the car loan contract.
3. Negotiate the termination agreement before handling the mortgage.
When consumers borrow money to buy a car, they will encounter the situation that the funds are slower than before because the audit fails. When signing a contract, they must pay attention to the information such as the way, date and amount of refund, which are generally indicated in the signed agreement. At this time, consumers should read it carefully.
4. Confirm the repayment time and amount.
There are two ways to buy a car by loan: equal principal and interest and average capital. After you confirm which method, you need to determine the repayment time and minimum repayment amount. It may increase the repayment cost because of unsuccessful deduction, so to avoid this result, we must confirm the repayment time.