I applied for a lot of loans online, but none of them passed. What will happen?

1. What happens if I apply for a lot of loans online but fail?

It will have a certain impact, because applying for a credit card will also be reflected in the credit report, and there will be a credit inquiry record, and then the bank will apply for a loan. Generally speaking, it is required to make no more than four credit inquiries within two months. In addition, some banks will look at geren's recent credit reporting rate. If there are many credit inquiry records, but they are not approved, the bank will consider whether the individual has any problems and whether the loan can be obtained. So generally speaking, individuals should not check their credit information casually.

Second, will the failure to apply for online loans affect credit reporting?

Rejection of online loan application will not adversely affect personal credit information. Although it will be recorded in the credit report, it is not bad information. Moreover, if the applied loan is not connected to the central bank's credit information system, then the relevant situation is generally recorded in big data, not in credit information, and naturally has nothing to do with credit information.

It's just that everyone needs to pay attention. If you often apply for loans, there will be a lot of inquiry records in the name of "loan approval" in the credit information, which may lead to "flowers" in the credit information.

Therefore, it is recommended not to apply frequently in a short time after applying for a loan is rejected. It's best to check the reasons for rejection first, find out the solution to the problem, and then try to collect it. For example, if the credit is not good, it is best to keep it for a period of time before applying for a loan.

If you apply for a loan, you should make good use of it and repay it on time. Otherwise, it will cause overdue situation and bring bad influence to credit investigation.

3. I registered many apps on the online lending platform and applied for loans, but none of them passed. Will it affect my personal credit?

It doesn't matter, after all, the application failed. Personal credit investigation-Personal credit report mainly includes six aspects: the verification results of identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, my statement and objection marking, and historical information inquiry.

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.

Fourth, there are many online loan contacts, but they are not overdue. Does it have an impact on credit reporting? Will it affect the loan to buy a car in the future?

This requires a comprehensive look at the repayment situation and frequency of online loans. If the number of online loans is small, and there is no overdue repayment, and there is no record of online loans again after repayment, the impact on bank loans.

If there is a record of overdue repayment, it will affect the personal credit record and there will be a bad record of bank loans. But too many online loans will also affect the approval of bank loans, and too many loan records will lead banks to question the financial strength of borrowers.

This overdue behavior is that all online loan products have no problems, so if they are often used to support loans, as long as there are reasonable problems, they will not be affected, let alone large loans in the future.

Qualification risk

Online lending is different from the management of financial capital. Whether it has its own registered capital or not, its registered capital ranges from several hundred million to several hundred million. The registered capital is not used for business, but a guarantee and a "threshold". However, due to the guidance of online lending companies, platform software can buy thousands to tens of thousands, and many virtual borrowers and private stations have virtual mortgages. High interest rates are generally at least 70% per year.

Aspects that affect the approval of bank loans:

1. Personal credit report requires individuals to issue personal credit reports to record personal information and credit transaction information. If there are overdue records in the credit report, it will be unfavorable for loan approval.

2. Lender's income certificate and bank flow: used to prove the lender's stable financial strength. The income certificate is generally issued by the unit, and the bank running water certificate is generally the running water of the salary card. Banks mainly look at the column of "wage income", and generally require lenders to earn more than a month.

3. Lender's age: The bank requires the lender to be a mortgage, and has extended the mortgage age to 70.

Managing risk

P2P banks and other financial institutions need complex models. P2P online lending is a new industry and an innovative model of financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because its original intention is only to make profits, its organizational structure lacks professional credit risk managers and does not have the knowledge and qualification of loan risk management, so it is difficult to grasp and deal with the bad debts of platform operation, and finally it can only go bankrupt.

This kind of timely repayment is not affected by credit reporting. Don't worry, but online lending is best not to borrow money. There are too many platforms to return.