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Clearing the rules is the key to successful lending

Time: 2013-10-08         Source: Rong 360 original         Author: Chen Li

As the saying goes, it is not difficult to borrow well. This truth may be known to everyone, but not everyone can do it. Some people say that "thinking power determines the power of action", so we must find out the rules of lending and know how to do it to ensure that the future lending journey will be smooth. Next, let's take a look at the bank's lending rules. Don't accidentally turn into a "black household", but you don't know it.

Banks generally only look at the credit status of the last two years. Most banks limit the overdue period. They cannot have two times in the past three months. They cannot have three times in the past six months and four times in one year. If it exceeds the specified range, there may be a direct rejection when refinancing. However, if your own bad record is accidentally caused, for example, because you have overdue 1-2 times due to negligence, you can ask the bank to open a non-malicious overdue certificate, and use this proof to apply to the loan bank again. However, if the borrower is included in the blacklist of the credit system, the bad credit record will not be cleared until five years later, and then there is an opportunity to apply for a loan at the bank, which is not desirable for banks and customers.

If the borrower has a bad credit record but “sin is not dead”, the following results may be faced:

1. The number of loans has decreased. In other words, suppose you want to apply for a mortgage, you can apply for a loan of 1 million, but because of the bad record, the bank will only give you half of 1 million, or 500,000.

2. The loan interest rate has increased. For example, if you apply for a loan normally, you can enjoy 7 points per annum, but because of bad credit records, the bank approves your loan if you have to pay 8 points.

This shows that no matter how bad the credit history is, it will adversely affect your future re-borrowing. Therefore, it is very important for you to maintain your personal credit.

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