Does credit loan affect loans? Does Zhihu Credit Loan Affect Loans?

Will affect. Under normal circumstances, the credit loan applied by the bank will be displayed in the credit record and the bank's loan system. When applying for a mortgage, the lending institution will examine the borrower's personal repayment ability. When applying for a mortgage, the credit loan is in use, which may have a greater impact.

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Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.

The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

According to different classification standards, there are many types of bank loans. For example, according to the different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans; According to different repayment methods, it can be divided into demand loans, term loans and overdrafts; According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan. According to the loan scale, it can be divided into wholesale loans and retail loans; According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Does credit loan affect mortgage?

The influence of credit loan on mortgage depends on the borrower's debt and repayment ability. Usually, credit loans, personal credit records and the bank's loan system will show that when the borrower applies for a mortgage again, the lending institution will comprehensively consider the borrower's repayment ability. Generally speaking, it is relatively easy to apply for a mortgage if the borrower's monthly income is more than twice the total monthly repayment. If the borrower's debt situation is poor and his repayment ability is poor, applying for a mortgage will still be affected to some extent.

Does personal credit loan affect mortgage?

1, credit loans and mortgages have little impact, because banks pay more attention to the lender's credit record and personal repayment ability when reviewing loans.

2. In terms of credit record, if the lender's credit record is poor, the bank will be more cautious when reviewing loans, and the number of overdue loans will be related to the loan ratio and loan interest rate. Repeated overdue loans will lead to loan rejection. If there is unintentional overdue, you can reduce the impact of bad credit information by issuing relevant certificates.

3. In terms of personal repayment ability, the lender needs to provide personal bank flow to the loan bank, which can meet the monthly repayment amount of all loans and housing loans by more than 2 times before it can apply for housing mortgage loans normally. At present, if the borrower's repayment ability is good and the debt situation is good, the impact on the bank's review of mortgage applications will not be great.

Will the credit line affect the mortgage line?

Will affect the amount of mortgage loans, because credit loans are users' own personal credit problems, so the amount of mortgage loans is generally not high.

First, the credit line will affect the mortgage line.

Although the credit loan is a personal credit application loan, it also belongs to the user's personal debt. As long as it is personal debt, it will affect the amount of other loans, and then it will also affect the amount of mortgage loans. Although users can provide collateral to lending institutions, thus reducing the risk of lending institutions. But the existence of collateral does not mean that users will not be overdue, and the risk of overdue will increase when the debt ratio is too high. Users can choose to pay off some credit loans in advance before applying for mortgage loans, which can not only reduce the debt ratio, but also improve the repayment ability.

Second, the process of handling mortgage loans.

1. Prepare materials. Preparing the documents needed for the loan can increase the success rate of the loan. Materials to be prepared for mortgage loan include: lender's ID card, household registration book, bank account number, collateral registration certificate (if it is a house, real estate license and land certificate are required), and other materials required by the bank.

2. Valuation of collateral. The lender applies to the appraisal company with ID card and collateral registration certificate, and the appraisal company will send staff to conduct value appraisal. The expenses incurred in the evaluation process need to be borne by the lender.

3. Apply for a loan. Lenders go to the bank to apply for loans with prepared materials and value evaluation reports.

4. Bank audit. The bank will review the materials submitted by the lender to ensure the authenticity of the materials. This process takes a long time, and lenders need to wait patiently.

5. Mortgage registration. If there is no problem with the materials approved, the lender needs to go through the mortgage formalities first, and then sign the contract with the relevant supporting materials at the bank.

6. Bank loans. After the contract is signed, the bank will transfer the money to the lender's account within a certain period of time.

Does personal credit loan have an impact on housing loan credit investigation? These situations have an impact!

At present, the online loan products on the market are basically personal credit loan products. In order to meet the needs of users, banks have also bought many credit loan products. Credit loan does not need mortgage, so it is convenient to apply. But does applying for personal credit loan have an impact on the credit investigation of housing loans? Let's get to know each other.

Does personal credit loan have an impact on housing loan credit investigation?

If the personal credit loans used by borrowers have been repaid normally and there are no overdue records, the use records of these personal credit loans will help banks to know the personal situation of borrowers more quickly when applying for mortgages, which reflects the borrowers' good willingness and ability to repay, and is conducive to applying for mortgages.

If the borrower has overdue records when using the personal credit loan, it will affect the housing loan, because if he wants to apply for a mortgage, the bank will require the borrower to have no more than six overdue records and no more than three consecutive overdue records. If loans overdue's credit is serious, he will not be able to apply for a mortgage loan directly.

When applying for a mortgage, if there are many outstanding credit loans in the applicant's credit report, it will also affect the purchase of a house, because it shows that the borrower's debt ratio is too high, and it is often difficult to meet the bank's requirements for repayment ability, and the overdue risk increases, and the bank is unwilling to approve loans.

In addition, if borrowers frequently apply for personal credit loans within three months before applying for mortgage loans, there will be many inquiry records of loan approval in the credit report. These hard inquiry records will make the credit information colorful, and banks with strict requirements may be unwilling to lend money or the loan amount will be reduced.

Does personal credit loan have an impact on mortgage credit reporting? Need to combine the purpose of the loan. Not all loan records will affect the mortgage, but loans overdue and high debt ratio will definitely increase the difficulty of applying for a mortgage.

If you apply for a credit loan in a bank, will it have a big impact on the approval of mortgage loans for buying a house?

No, the mortgage bank reviews normal deposit receipts, down payment transfer vouchers, etc.

If it is a credit loan applied to a bank, it is usually submitted to PBOC within one month, and the loan information will be displayed on the personal credit report; If it is a credit loan applied to a guarantee company or real estate agent, according to the current situation, it will not appear in the credit report.

If there is a credit loan on the credit report, it will show the monthly repayment amount of principal and interest, thus affecting the proportion of the total monthly repayment of all loans to the borrower's total income. If this ratio exceeds 55%, it may affect the approval of the mortgage amount.

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Precautions:

Among the banks that provide credit loans, many banks have relatively loose conditions, but different banks still have certain differences in their requirements for borrowers' personal conditions. For example, the borrower's working hours in the current unit, some banks require half a year, and some banks require one year. Therefore, applicants should first choose the product range that is consistent with their own qualifications, and then do the next screening.

Applying for a credit loan depends on the quota of each product: generally speaking, the scope of the loan provided by each bank is similar, but the actual quota will be determined after evaluation according to different occupations, incomes and credit status. For example, the loan amount of some banks is often required to be six times the monthly income, while the loan amount of other banks is 10 times the monthly income, such as Ping An Bank. Therefore, it is necessary to see which conditions are more suitable according to the actual demand.