Ms. Tu from Hangzhou recently considered buying a car and applied for a mortgage through a commercial bank cooperated with a 4S shop. 'There has never been a bad credit history, and there are no outstanding loans. The bank loan officer asked me if I had any new loans in the near future, and found that I had several records of online loans in half a year, so he refused to lend me. 'ms. Tu thinks it's incredible that the credit officer said that.
1. Use Jingdong Baitiao and Zhima to borrow
Even repayment on schedule will affect the loan?
Ms. Tu from Hangzhou recently considered buying a car and applied for a mortgage through a commercial bank cooperated with a 4S shop. 'There has never been a bad credit history, and there are no outstanding loans. The bank loan officer asked me if I had any new loans in the near future, and found that I had several records of online loans in half a year, so he refused to lend me. 'ms. Tu thinks it's incredible that the credit officer said that.
Speaking, since Alipay's' flower chant ',' borrow chant ', Tencent' micro loan 'and Jingdong' white strip ', Xiaobian feels that when buying and buying, it can completely release itself, although it almost spits blood when repayment is made.
But recently, a question has been bothering Xiaobian.
A person in the circle of friends who borrows money from a bank said that your micro loan record will be displayed on the bank's personal credit record, which may directly affect your credit reference, resulting in the inability to apply for credit loans in the bank.
Seriously, it's a shock to see here. After all, what if one day I'm not poor and want to buy a house and can't repay the loan?
For this reason, Xiaobian devoted a lot of information to the investigation, and finally made sure that the old fellow with the same doubt could be taken as reference.
2. What is a personal credit report?
In short, personal credit report is actually your reputation in the eyes of the people's Bank of China.
Inside is your basic information, (including credit card), public records (Telecom arrears, administrative arrears, etc.), query records, etc.
What's the use of this? There are many, such as car loans, housing loans, credit card applications, and so on. The credit report is an important reference.
It's worth mentioning that once formed, the credit report can't be modified basically and will be accompanied for life. So once there is something seriously overdue, it will directly affect your credit record. Congratulations, when you apply for all kinds of loans with the bank in the future, it will be very miserable...
3. Did Huabai, Jiebai, weiweidai, and Jingdong get credit information?
The answer is... Specific problems are analyzed in detail.
For example, Tencent's micro loan, whose lending subject is "micro public bank", will certainly be on the credit.
Jingdong's Baitiao has been connected to the credit information system of the people's Bank of China. In the future, all users will also go to the credit information system of the people's Bank of China.
The key points to be mentioned are 'Huabai' and 'Jiebai'.
These two loans are mainly made through Ali's small loan company, which is connected to the credit information system of the people's Bank of China, but "Huabai" is not available for the time being.
It seems that only part of the selected users are available for credit investigation. If there is no serious overdue, such as serious overdue for more than three months or large overdue, it will not be reported to the PBC for credit investigation.
It is worth mentioning that, because the seller's loan belongs to business loans, once overdue, it will be on the PBC credit!
To get back to the point, some people will ask: isn't it very casual for Huabai and Jiebai to be overdue? No, don't take chances.
After all, don't forget, Alipay also has something called sesame credit! This item has been connected to the credit reporting system of most banks. Once there is no trustworthy behavior, it can be divided into minutes.
4. Will small loans such as Huabei and jiebei affect bank loans?
Some people say that as soon as they are linked to the credit reference of the people's Bank of China, they dare not use these small loans. After all, if they buy a few hundred yuan thing and have to make a "white note", they will look very poor. Will it affect the individual's Application for large loans in the future...
You think too much. In fact, after all, these Internet companies are not idle enough to report every consumption record to the bank. For example, Jingdong Baitiao reports once a month, and only reports credit records. There will be no details of daily necessities consumption.
As long as you are not overdue, it will not have any impact on your credit investigation. On the contrary, it will better evaluate your credit status because you fulfill the contract on time.
But there are a few more strange, 1 yuan details, will also be reported... Own experience, swipe the screen to catch up.
You Zhihu netizen said that under the credit approval of some banks, this kind of credit investigation of the people's Bank of China will be considered as having too many credit investigation records of the people's Bank of China, which is commonly known as the "flower" of the credit investigation of the people's Bank of China.
When applying for a loan, people may feel that they are short of money and will often go to the Internet to borrow money. However, netizens who encounter similar situations say that it should be OK to explain it.
In other words, when banks approve loans, they consider not only that, but also the source of income and so on.
To sum up, only the Tencent's micro loan loan, because it belongs to the bank loan, is displayed in every letter of your credit report, while Alipay's flower, borrow, and Jingdong's white bar are not credited as long as they are not overdue.
Anyway, if there is no special case, do not borrow money from the Internet frequently. After all, the future credit is particularly valuable. Now that you can see the sesame seeds on a shared bicycle, old fellow iron can be considered for three seconds when they are ready to spend money next time.