1. Can I still get a bank loan if I have an overdue record?
You cannot go to the bank for a loan if you have an overdue record. There are three solutions: 1. Choose a small commercial bank. Generally, large commercial banks have no shortage of loan customers, so they are particularly strict in reviewing loan qualifications. If an overdue customer and a user with good credit apply for a loan at the same time, the bank will definitely be more willing to release the money to the user with good credit. However, some smaller city commercial banks do not have very high requirements for this. As long as the loan is not maliciously overdue, you can usually apply for a loan; 2. Apply for a mortgage. If your credit is overdue, it will be more difficult to apply for a credit loan, but generally you can still apply for mortgages and loans, such as real estate, cars, jewelry, equity, etc., which are all possible; 3. Issue relevant certificates. If your credit card accidentally overdues once, you can communicate with the bank, and the bank will issue a certificate proving that the credit card was not maliciously overdue and has been settled. This will generally help you borrow money smoothly. Being overdue will have a negative impact on the loan application, but it does not necessarily mean that the loan will not be approved. It depends on the relevant overdue regulations of the bank or third-party financial institution. Generally speaking, if there are no more than 2 overdue credit records, the bank will still approve the loan at its discretion. However, if the number of overdue loans reaches 6 times or exceeds 3 consecutive times, the banking system may not necessarily approve the loan. However, third-party financial lending institutions will be relatively lenient in the same overdue situation, because different institutions have different tolerances for overdue loans. The relatively loose review agency, even if the credit record is overdue, will not affect the approval of the institution's loan review. Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return them within a time limit. Generally, you are required to provide a guarantee, a house mortgage, or proof of income, and have a good personal credit report before you can apply. Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different.
2. Can I still apply for a loan if I have an overdue record?
When you handle new business, the relevant departments will generally give priority to recent consumption and repayment records.
If you plan to apply for a personal loan at China Merchants Bank, whether you can pass the final review will be comprehensively assessed based on the type of business you are applying for, personal solvency, credit status and other factors, and will only be determined after approval by the handling branch. . It is recommended that you provide relevant application materials and contact the personal loan department of your local outlet for further verification.
3. If the lender has an overdue record, can the guarantor still go to the bank for a loan?
As long as the sum of the guarantee amount you provide for others and the balance of the existing loan does not exceed your Only after you go online in China can you continue to apply for personal information at Bank of China
The above content is for your reference. For the latest business changes, please refer to the official website of Bank of China.
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