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Does borrowing affect credit reporting? Why does borrowing affect credit reporting

Frequent use of ant loan will affect the card, mortgage, car loan! At that time, I didn't understand why the two platforms affected each other. After textual research, I learned that the link between them was the credit reference system! So, the question is, why does ant borrowing affect personal credit!

|1. The ant borrows & lt=& gt; Sesame credit

As we all know, there is a condition for the opening of ant loan, that is, sesame's credit score reaches 600. The survey data of ant jiebei comes from sesame credit, which is understandable. After all, it was born by the same parents, and the two products belong to ant financial services. However, as you know, Zhima credit is one of the first eight institutions allowed by the people's Bank of China to set foot in the field of personal credit. It's not groundless. It's a certificate

|2. Ant loan = small loan company loan

Maybe there are not a few netizens who use ant payment, but in the process of using it, have you really read the relevant stripe terms? If you pay a little attention, you can find that the record of your borrowing money on the ant loan is reflected in the personal credit information, which is the loan of small loan company! My friend, every withdrawal and repayment you borrow in ant is a credit journey.

Therefore, the secret behind Alipay's borrowing is that Alipay will use the recording system to use credit information system. And what the report reflects is the loan of small loan company!

|3. Will the use of ant loan affect my future mortgage and car loan?

As mentioned above, the use of ants is linked to credit reporting. However, as we all know, credit checking will affect your car loan, mortgage and credit card quota. Then, if you borrow Alipay, will it affect my future loan?

① Frequent use of loan and non repayment will affect the card and mortgage!

Alipay has an official reminder that if overdue, the overdue record will be reported to the central bank's credit reporting system. Therefore, if the loan is frequently used and does not repay, it is overdue many times and the overdue time is too long, it will affect the card application and loan.

② Frequent use of loan, normal repayment may also affect the card and mortgage!

It depends on the bank. Different banks have different standards of inspection and evaluation. It is equivalent to the same user's regular loans. If the number of loans is too many, the bank may suspect that the user's economic situation is poor, and it is inevitable that there will be the risk of overdue in the future. Some banks pay great attention to this; Some banks pay attention to repayment on time.