it's fake. it's better not to pack it. the bank will find out. Affect future loans. General bank's requirements for credit investigation: it cannot be overdue at present, twice within half a year, three times in a row within two years, and six times in total.

Conditions for applying for loan business:

1. Natural persons aged 18-65;

2. The actual age of the borrower plus the loan application period should not exceed 7 years old;

3. Have a stable job, a stable income and the ability to repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

packaging loan is a kind of loan wandering in the gray area, but this kind of behavior is illegal in essence, because basically everything that needs packaging is problematic, and the loan you get through packaging is likely to constitute fraud.

Let's talk about what a packaging loan is. The so-called packaging loan means that individuals provide some basic materials, and some so-called packaging companies optimize the materials, and then apply for loans with these packaged materials.

Some people say that this packaging is just to optimize the materials needed by the bank, which is legal in nature, but this is just a superficial statement. The real situation is definitely that you have come to the packaging company, which shows that there are some problems with your materials.

In order to get the loan smoothly, most packaging companies beautify the materials, and some of them are even forged materials with only one purpose, so as to achieve the purpose of lending money through these forged data and materials.