Will a credit card overdraft of RMB 60,000 affect business loans? A credit card overdraft of RMB 60,000 will affect your application for a business loan. The application conditions for a business loan include: being over 18 years old, having good personal credit, having a business license and business license in related industries, having a certain ability to repay principal and interest, and having a stable business location, etc. The "good personal credit report" here means that the borrower has no overdue bad records on the credit report, and the personal debt ratio will not be high. If the borrower's personal debt ratio is high, it means that the risk is greater and the repayment ability may be somewhat lacking. The amount of entrepreneurial loans is often large, and many banks will simply refuse the loan if they are worried that the borrower will not be able to repay the loan. If the borrower has collateral or a guarantor, a credit card overdraft of RMB 60,000 will not have a big impact on the application for a business loan. But if the borrower applies for a loan based on his or her personal credit, the impact will be relatively large.
Where can I apply for a business loan? All major banks have business loan service products. Before applying for a loan, borrowers can call the relevant local departments to inquire whether their personal qualifications meet the bank loan conditions. It should be noted that a business license that is more than 6 months old must be prepared first. The above is the sharing of relevant content about "whether a credit card overdraft of 60,000 yuan affects a business loan". I hope it can help everyone!