First, the credit information at the microfinance meeting
The biggest advantage of online lending over bank loans is that it is faster to review simple loans, which is why many young people choose online lending. With the continuous introduction of policies by relevant departments in China in recent years, illegal online lending has been completely suppressed. The existing small-scale online loans are published on formal platforms. If you choose to make small-scale online loans from these platforms, you will receive credit information.
2. Does it affect the future mortgage?
Generally speaking, as long as the borrower repays the loan on time, there is no overdue phenomenon, which has no influence on the credit investigation, but it has no influence on the future housing loan. The main basis of bank mortgage is whether you have repayment intention and repayment ability. As long as your bank card is stable and your credit is not overdue, you will be given a loan. Therefore, after borrowing the online loan, as long as you can repay the credit on time, there will be no problem.
3. Young people need rational consumption
Although timely repayment will not affect the credit report, Bian Xiao stressed that young people still need to spend wisely according to their own economic conditions. Although the reception process of online loans is simple, the interest on online loans is really high. Many peer-to-peer borrowers keep borrowing from various platforms because of high interest rates and bad consumption habits. This kind of behavior is very dangerous, because once you can't repay the loan, your debt crisis will erupt in an all-round way, but the consequences will be very serious.