Will overdue installment music affect car loan application?

Does installment loan affect the loan to buy a car? All these situations will have an impact.

; ? Although many people are short of money, they still want to own a car of their own, so they often choose to borrow money to buy a car. However, there is a certain threshold for buying a car with a loan, and you can't succeed by applying. Some netizens borrowed money in installments and wanted to borrow money to buy a car. I wonder if the installment loan will affect the loan to buy a car? Let's get to know each other.

Does installment loan affect the loan to buy a car?

If you want to borrow money to buy a car, you need the credit information of the car loan applicant to meet the requirements. If there are no overdue records for more than 6 times in the past two years, and there are no overdue records for 3 consecutive times, the overdue time shall not exceed 90 days; At the age of 18; Have repayment ability and need a stable source of work and income; And other requirements of lending institutions.

Staging music is a credit loan for credit investigation. Normal use, repayment is not overdue, and the outstanding loan amount is not large, which has little impact on the application for car loan. Depending on the situation, some banks may ask for the settlement of loans to reduce the debt ratio.

If there are many overdue repayment records after the installment loan, or the overdue loan has not been settled for more than 90 days in loans overdue, these situations will have a great impact on the current application for car loan, and in most cases, the loan will be directly rejected.

If the installment debt is large, and the monthly repayment amount accounts for 50% of the monthly income, in this case, the borrower's repayment ability is difficult to meet the requirements of car loan, and the application will be rejected, or the loan amount obtained is very low.

Does installment loan affect the loan to buy a car? Mainly depends on installment loans and loan quotas. There is no overdue record, the loan amount is small, and other qualifications of the car loan applicant are good. It is no problem to apply for a car loan.

Can I get a loan to buy a car if I haven't paid back the installment music?

Yes, you can. Staging music is a credit loan for credit investigation. Normal use, repayment is not overdue, and the outstanding loan amount is not large, which has little impact on the application for car loan. Depending on the situation, some banks may ask for the settlement of loans to reduce the debt ratio. There are a large number of overdue repayment records, or the loans overdue time is more than 90 days, and the overdue loan has not been settled. In most cases, the loan will be refused directly.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Does installment loan have an impact on car loan?

Installment loans will keep loan records in credit information, and normal loan records will not affect users' application for car loans. Moreover, timely information on installment repayment can help lending institutions better evaluate users' repayment ability, thus helping users pass the car loan audit. Therefore, as long as the loan is borrowed in installments and repaid on time, it will not affect the subsequent application for other loans.

As for applying for a car loan, in addition to meeting the conditions for applying for a car loan, you also need a bank's credit card to apply for a car loan, because the bank's car loan business is usually a car purchase with a credit card.

Staging music is a high-quality staging shopping center under Lexin. Founded in June 20 13, it is the pioneer of the domestic installment shopping e-commerce model. Always adhering to the brand concept of "enough is enough, happy to see it happen".

Staging Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall.

Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.

Staging music has created a business model of micro-consumer finance on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, orange financing was launched in June, 2065438+2004, and all creditor's rights were exclusively represented by stages, forming a closed-loop ecology of "self-production and self-sale".

By stages, we have enjoyed the investment from many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.

Staging Music is the website of "Shenzhen Staging Music Network Technology Co., Ltd.", headquartered in Shenzhen, focusing on online shopping malls for young people.

Staging music is a consumer loan product specially designed for young white-collar workers. Users applying for staged music must be white-collar workers aged 65,438+08, with stable jobs and income sources, and under the age of 30. The installment loan amount is10.5 million yuan. White-collar workers need to provide personal identity cards, work certificates, income certificates and other related materials when applying for staged music.

Application conditions for staged music: applicant 18 years old, 30 years old, China citizen with full civil capacity; Have a stable source of income and the ability to repay the loan principal, interest and other payables on time; Personal credit status is good, and there is no record of bad information such as large overdraft and overdue; There is no multi-head lending, and the total number of institutional borrowers such as banks, consumer finance companies, microfinance companies, trust companies and peer-to-peer lending information intermediary platforms does not exceed three.