First, will online lending affect bank loans?
Whether online loans affect bank loans depends on whether online loans are granted credit. If the applied online loan is on credit, and the amount is relatively large, it will have a certain impact on the pass rate and amount of bank loans.
Whether online loans affect bank loans depends on whether online loans are granted credit.
1. If the applied online loan is credit, and the amount is relatively large, it will have a certain impact on the pass rate and amount of the applied bank loan, because the bank loan needs to assess the repayment ability of the loan applicant.
2. If the applied online loan does not receive credit information, it generally has no impact on bank loans.
Second, can't real estate mortgage use online loans?
There are online loans that can be used as real estate mortgage loans, but they will also affect the loan situation, as follows:
At present, the management of online loans and banks is relatively strict. Many formal online loan information and banks can be found in the People's Bank of China. If the online loan is not settled, it will affect the mortgage. The specific degree of influence depends on the amount and personal assets. There is also a situation that the online loans made by some small loan companies cannot be found in the credit information system, which does not affect the bank's mortgage loans. Credit management is strict, so we must pay attention to our own credit information, and don't deal with informal financial institutions, which will affect credit information and all aspects will be affected. Before the bank lends money, you can check the credit of the loan applicant again.
3. Application materials for real estate mortgage loan: 1. Property ownership certificate II. Identity cards of obligee and spouse. Household register of obligee and spouse. Marriage certificate of obligee (marriage certificate or unmarried certificate issued by Civil Affairs Bureau) 5. Proof of income 6. If the property owner has minor children, please provide birth certificate 7. If the property has a bank loan, please provide the original loan contract and the latest bank statement. To improve loans.