certificate

This is to certify that Mr. XXX (ID number: * * *) did not pay it back in our bank in loans overdue from ……………………………………………………………………………………………. The reason for overdue is job transfer. Hereby explain.

Whether it is "non-malicious" or not is not up to the individual. Banks will strictly review overdue records to determine whether to issue non-malicious overdue certificates. For example, if the amount owed is high, the overdue time is long, and the overdue times are many, the bank will not issue relevant certificates without reasonable reasons. Secondly, even if the loan applicant holds a non-malicious overdue certificate, it may not work. Non-malicious overdue proof is not a panacea, it can not completely prove the "innocence" of personal credit, and it can not cover up the fact of overdue. Even if the borrower can issue a non-malicious overdue certificate, the lending bank will make a comprehensive evaluation according to the overdue situation and the borrower's repayment ability. Different banks have different degrees of recognition of non-malicious overdue certificates issued by other banks.