frequent use of ant loan will affect card application, housing loan and car loan! At that time, I didn't understand why the two platforms influenced each other. After textual research, I learned that the link between them was the credit investigation system! So, the question is, why do ants borrow it to affect personal credit investigation?
|1. Ants borrow & lt=& gt; Sesame credit
As we all know, there is a condition for the opening of ant borrowing, that is, sesame has a credit score of 600 points. It is understandable that the investigation data of ant borrowing Bai comes from sesame credit. After all, they are born by the same parents and belong to the products of ant financial services. However, as you know, sesame 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 investigation. It's not groundless, as evidenced by a certificate:
|2. Ant loan = small loan company loan
There are not a few netizens who may use ant to pay. However, have you really read the relevant stripe terms in the process of use? If you pay a little attention, you can find that the record of your borrowing money on ant borrowing is reflected in the personal credit investigation of small loan companies! Friend, every withdrawal and repayment you borrow from ants 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 the report reflects the loans of microfinance companies!
|3. Will the use of ant loan affect my future home loan 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 borrowing and non repayment will affect card application 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 borrower 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 borrowing and normal repayment may also affect card application and mortgage!
It depends on the bank. Different banks have different standards for investigation and evaluation. It is equivalent to the regular loan of the same user. If the loan times are too many, the bank may suspect that the user's economic condition is poor, and it is inevitable that there will be a risk of overdue in the future. Some banks pay attention to this; Some banks pay attention to repayment on time.