If Bai Hua is in arrears but not overdue, can he get a loan from the bank?

Bai Hua has a loan. Can banks lend money?

Huabai can apply for bank credit if she has a loan, but it will affect the loan approval. If possible, try to reduce the use of flower buds, or pay off the flower buds three months before handling bank credit business, and don't overdue before, which is relatively easy.

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

Ant Flower Garden has been officially launched since April 20 15. Mainly used for shopping on Tmall and Taobao, it has always been loved by consumers, especially those born in 1980s and 1990s.

In order to better serve consumers, ant flower buds began to break the restrictions of shopping platforms and expand their services to more online and offline consumption fields.

The ant flower garden has only been online for half a month, and more than 1.5 million merchants in Tmall and Taobao have opened flower gardens. In order to attract consumers more accurately, many more responsive businesses have begun to modify the description of the baby and directly add the words "support the garden". The person in charge of Durex Tmall flagship store told the reporter that a product specially launched for new users of ant flower beds sold more than 10,000 copies a day and robbed a week's inventory.

The data shows that after merchants access ant flower beds in stages, the transaction conversion rate has increased by 40%.

During the 20 15 Double Eleven period, Ant Flower Garden gave full play to its product ability of worry-free payment, and paid 60.48 million transactions throughout the day, accounting for 8.5% of Alipay's total transaction volume.

The industry believes that banks and other financial institutions have experience in capital and risk control, while Huayuan has consumption scenarios and risk control data. Both sides have their own strengths and complementary advantages. Therefore, cooperation can not only make finance truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, which is conducive to the development of the industry.

Ant flower buds support multi-scene shopping. Previously, the main application scenarios were Taobao and Tmall, and most merchants in Taobao and Tmall can use it to pay.

Ant Flower Garden has stepped out of Ali's e-commerce platform and * * * has access to more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon and Suning; Local life service websites, such as word of mouth, Meituan, and public comments; Mainstream 3C official shopping malls, such as official shopping malls such as LeTV, Haier, Xiaomi and OPPO; There are also some overseas shopping websites.

Can I apply for a bank loan if the online loan is not overdue?

Yes, if it is not overdue, personal credit information will not be affected, and bank loans will not be affected.

Bank loan application conditions:

Borrower's requirements

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.

The main function of personal credit investigation:

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.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Refer to the above contents: Baidu Encyclopedia-Personal Credit Information, Baidu Encyclopedia-Bank Loan.

Can I apply for bank credit if I have a loan? It's better to handle it this way!

Many people have flower beds, and it's good to spend them in advance, but flower beds are also consumer credit. Some people go to the credit bureau because they will find records from newspapers, while others are worried that the bank's credit will be affected. Then, can I apply for bank credit when I take a loan in Huabai? It is suggested that it is best to deal with it as described in this article.

Can I apply for bank credit if I have a loan?

As mentioned earlier, Huabai is a consumer credit loan. Although it is not stipulated that you can't borrow money from Huabai when applying for bank credit business, the approval of bank credit business will be affected by some people's credit information on Huabai, mainly in two aspects, one is the use situation and the other is the repayment situation.

1, the influence of usage

There is a quota for flower buds, which can be used by businesses that receive money from supported flower buds. The amount used after consumption will be recorded in the credit report, which is also a personal debt. For example, before applying for bank credit, Huayuan has a large amount of arrears, which will make the bank think that the debt ratio is relatively high, and the borrower is suspected of lack of money, fearing that the loan will not be issued because of the high risk.

2. The impact of repayment.

If you use the flower bud to collect credit, and the repayment is not timely, the letter newspaper will leave a record of the overdue flower bud, then the borrower's credit will be damaged. Such a bad record may lead to the failure of bank credit business in the future. Banks will think that borrowers have no repayment ability and willingness, and will be more cautious when approving loans.

In short, you can apply for bank credit if you have a loan in Huabai, but it will affect the loan approval. If possible, try to reduce the use of flower buds, or pay off the flower buds three months before handling bank credit business, and don't overdue before, which is relatively easy.