2. "Three consecutive years and six consecutive years" is the technical term of the loan industry. In fact, it is a combination of Lian San and Liu Lei. "Three consecutive years" refers to the overdue repayment for three consecutive months, and "Liu Lei" refers to the accumulated overdue repayment for six times. Because both are overdue payments, they are often linked. These two situations are very serious credit stains in the eyes of banks, which will definitely be listed as "problem customers" and belong to the "blacklist" of high-risk loan groups, and future loans will have great risk of rejection.
"Three months in a row, six months in a row" is a serious stain on personal credit information, which is more risky than "six months in a row", because banks that are overdue for three months in a row must have doubts about your repayment ability. The accumulated six-month overdue repayment may be the occasional overdue repayment due to the use of a credit card all the year round, which is likely to be caused by user negligence. The overdue repayment for three consecutive months must be that the user's capital chain is broken within a certain period of time and the repayment ability is insufficient.
When applying for a loan, the bank will check the user's personal credit record. If it is found that the borrower has a record of "three consecutive times and six times", the examination and approval department of the bank will give special consideration, sometimes require the borrower to provide proof of previous good repayment records and explain the reasons for overdue repayment, and will also attach great importance to the overdue time and amount. In most cases, the loan will be refused.