Information > General articles > Raiders Channel > Novice loans >  text

Finding out the rules is the key to successful loan guarantees

Time: 2013-09-03         Source: Rong 360 original         Author: Chen Li

As the saying goes, it's not hard to borrow money and borrow it again. This may be all you know, but not everyone can do it. Some people say that "the power of ideology determines the power of action." Therefore, we must find out the rules for borrowing and lending, and we must know how to do it. Only in this way can we guarantee the smooth flow of lending in the future. Next, let's take a look at what the bank’s lending rules are. Don't accidentally turn it into a "black house" and you don't know it.

Banks generally only look at the credit status of the past two years. Most banks limit the overdue period. They cannot be twice in the last three months, three times in the last six months, and four times in one year. If it exceeds the prescribed range, there may be a direct rejection when refinancing. However, if one's own bad record is caused by carelessness, for example, because of negligence and overdue payment of 1-2 times, you can find a bank to open a non-malicious overdue certificate. With this proof, go to the lending bank again to apply for a loan. However, if the borrower is included in the blacklist of the credit system,Bad credit historyIt will take only five years before it is cleared, and only then will it be possible to apply for a loan from the bank. This is also something banks and customers would not like to see.

If the borrower has a bad credit record, but "the crime does not die", he may face the following results:

1. The loan amount has decreased. That is, suppose you want to do a real estateMortgage, could have applied for a loan of 1 million, but because of bad records, the bank only gave you half of 1 million, that is 500,000.

2,Lending ratesincreased. For example, if you normally apply for a loan, you can enjoy a 7-point annual interest rate, but because of a bad credit history, the bank has to approve your loan on the premise that you must pay 8 points.

This shows that no matter how bad the credit record is, it will have an adverse effect on your future re-borrowing. Therefore, it is very important for you to maintain your personal credit.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the 360's legal rights will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment List (User comments are only for users to express their personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • Mastering the rules is the key  In a market where the loan business is diversified, users can obtain loan funds through different methods such as mortgages, pledges or credit loans, but at the same time it also means that the amount of approvals received by users is very different. Users who want to apply for large loan funds may wish to combine with...
  • How to spend the least money to give parents the most critical protection?  This article is based on the 360 ​​column column author Lige said that financial original works, only represents the author's personal point of view, does not mean to integrate 360 ​​official positions. Like children, if your parents are already retired, they are no longer the mainstay of the family economy. Even your parents are farmers. Even the basic pension and medical insurance...
  • High housing prices cause public anxiety How to protect social welfare is the key  Not long ago, the news that a Shenzhen couple sold a suite for the Wuhan 4th Suite stirred up a lot of waves in the hearts of many Shenzheners. In a survey initiated by a local online media agency in Shenzhen on the topic of changing rooms, 47.27% of netizens said they did not change, because Shenzhen’s housing prices rose a lot...
  • What should pay attention to private lending? It is guaranteed to borrow money in this way!  Recently, the Supreme People's Court issued the "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases." The regulations will come into effect on September 1, 2015. So, what should pay attention to private lending? It is guaranteed to borrow money in this way! First, sign the contract...
  • The Three Key Elements of Applying for a Credit Card for the Success of the Cardinal Lecture  How can I improve my credit card application success rate? Inadequate data preparation leads to the failure of the application card. However, after the failure, they do not know why. The main reason for the failure of the application card is the key point that we cannot find the application. Today, the 360-card God has opened a lecture hall for everyone...