If the user is overdue, but the overdue record is not on the loan application.

Overdue records will be uploaded to credit information. When applying for a loan, even if you apply for a loan, the loan application will be rejected quickly.

One of the conditions for applying for a loan is that the user is required to have good credit information, and it is impossible to apply for a loan if the credit information is not good.

Overdue records will be kept in the credit information for 5 years after settlement, so the credit information of users can return to normal after 5 years. If your credit card is overdue, try to provide the bank with proof of your repayment or provide a guarantee.

Second, often overdue, can I still borrow money?

When applying for a personal loan, the lending bank will refer to your credit history comprehensively, not just for a certain period of time. If you intend to apply for a personal loan in China Merchants Bank, whether the approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of the local China Merchants Bank outlet for further verification.

3. Can I get a loan if it is overdue for five months in the last five years?

Hello. Your situation will definitely have an impact. It's hard to say whether you can get the loan, because your credit history will be kept for five years, and your overdue situation is quite serious. At present, the general bank audit focuses on your credit records in the past two years. If your situation is good in the last two years, you can still apply, but the interest rate may rise on the basis of the benchmark interest rate. If the record in these two years is not very good, it will be difficult. You can apply in different banks, because different banks have different emphasis on the review of credit report, so you can try it. It is also suggested that you must realize the importance of credit in the future and don't overdue it again, so as not to cause more serious impact.

4. Can I get a loan after the deadline?

You can borrow money after the deadline. The credit requirement of most loans of banks and financial institutions to users is that there must be no three or six consecutive overdue loans in the last two years; At present, the loan cannot be overdue. If the borrower does not have the above situation, it only happens once in a while, and after verification by the bank, he has the opportunity to apply for a loan.

If the user is overdue at present, it is basically impossible to pass the bank loan approval. Only when the user settles the current loan and waits for 1-3 months to apply again can it pass the approval. Of course, a few financial institutions can accept the current application for overdue loans, because different lending institutions have different risk control, which needs to be approved by lending institutions.

In addition, it should be noted that the bank's housing loan approval is very strict with the applicant's personal credit review. Generally, as long as the user's credit report shows overdue records, the loan approval will not pass, so users must pay attention to repayment on time to avoid the impact of overdue.