I have been making loans for almost four years in a blink of an eye. From the beginning of contact with loans, all the contacts are pure bank mortgage loans, and credit online loans are rarely done, so I will share some dry goods with you. I have no literary talent, and I don't hesitate to give advice on my improper wording.

For customers who want to consult mortgage loans in our bank, the bank considers two factors, 1. Repayment ability II. Willingness to repay. Of course, what I want to talk about today is the credit investigation in repayment ability, which is one of the contents of bank inspection.

Let's not talk about what a credit report is. In 2020, the new version of the credit report has been updated. In times of national disaster, there is no time to type a new one, and it will be updated later.

There are two kinds of credit investigation: one is online credit investigation (online registration, credit card binding, after registration, the application will send a verification code, which can be inquired within 24 hours), and online credit investigation is a simplified version, which will only show how many loans you have, how many months overdue and the inquiry situation. For example, the part of credit loans made by so-called private microfinance companies or financial institutions will look at the Internet to check credit information.

The second is the detailed version of the credit information entered in China People's Bank. The detailed version of the credit report only has two free printing opportunities a year, more than two times. That's what I'm doing in the province at present, but if it's not expensive, it's 10 yuan.

Every bank has different requirements for bank credit reporting. Let's talk in detail about some points that the detailed version of credit information is more concerned by banks.

Personal information section

1. Time for printing credit inquiry: General banks will default to 15-30 days for credit inquiry to be valid. If you hold a credit inquiry made six months or even a year ago, it can't be used as a reference.

2. Marital status: Marital status will not be mainly displayed in the credit report, because the credit report shows the marital status of your last loan, and it will not update your marital status in real time. The bank will also look at your household registration certificate to confirm your current marital status. If married, both husband and wife must come forward together. In case of divorce, it depends on whether the mortgaged property was purchased after divorce. Not after the divorce. If it is necessary to write clearly in the divorce agreement or court judgment that the property belongs to the borrower before the divorce, it will be more troublesome if it is not written. You need to ask your predecessor to go to CCBA to make a notarial certificate of house ownership. In this way, the bank will be free.

3. Company Information: In the column of company information, the registered companies such as loans, credit cards and savings cards that you have handled before will be displayed. If you are a consumer loan, that is to say, buying furniture to decorate your house, then you must work for more than 6 months. If you show your company, you need to issue a certificate of income. Generally, the proof of income is a bank version, so you can't just download a cover online. However, if the latest item in your company information shows that * * * Trading Co., Ltd. is within six months, such as 2019.12.31,and you have resigned, then you can only apply for this loan after six months.

Loan part:

General loans will show the number of outstanding loans, the number of overdue loans in the past two years, the number of overdue loans in the past five years, the total remaining repayment of outstanding loans, the average monthly repayment and details.

Please note the following points:

1. Number of loans: Generally, friends with more loans will calculate your loan cycle according to the time you handle a single loan. For example, if you apply for a loan every month from 2019.1-2019.10, it shows that it is difficult to maintain the capital turnover. Secondly, look at the amount of each loan and confirm whether you are short of money. For example, you borrowed a small loan from 500 yuan, most of which was 1000-2000 yuan. You want to mortgage the house for hundreds of thousands, and you need to borrow 1000-2000? It doesn't make sense. Of course, this is one of the references and cannot be used to deny the qualification of customers. Therefore, I suggest that you don't tamper with online loans later. Now that we have entered the era of big data, many online loans can't get credit information, so we can't hide it. Don't ruin your credit information because of greed for small profits.

2. Overdue situation: Most banks will read your credit report within two years, and some banks will read your credit report within five years. These are hard conditions that must be met. Let's share how to treat this overdue today.

First of all, the credit list contains the account status of the loan, monthly repayment, payable repayment, and there is a row of 24 boxes under the actual repayment, which will show your repayment status within 2 years. Generally, you will display N for normal repayment, and Arabic numerals of 1-7 will be displayed for overdue repayment. 1- means that 3 1-60 days overdue is equivalent to 1 month, 2 means that 6 1-90 days overdue is equivalent to two consecutive months, and so on, and 7 is 60. Under normal circumstances, banks can't ask for credit information within 2 years, such as 3 tired 6, 2 tired 10, 2 tired 5, etc. Even if you are tired of 3, you can't see 3 (that is, 1-2-3, that is, you haven't returned it for three consecutive months), and it has accumulated six times (that is,1-kloc-0/-2-1); If you are not overdue, congratulations on your repayment intention is still high, but it does not depend on this.

3. Account status: normal, concerned, secondary, suspicious and loss reported. Generally, the account status of your loan will be displayed in each loan box according to your repayment situation, and the bank only recognizes accounts in normal and settlement status. If other status is displayed, contact the current lending institution as soon as possible to ask if it is overdue, return it as soon as possible and update it to normal accordingly.

Precautions for credit cards:

1. Credit card utilization rate: As a reference point for your repayment pressure, the utilization rate of general banks does not exceed 50-70%. If the total amount of credit card is 500,000, and you use the limit of 498,000, then you are 90%, and the credit card debt increases invisibly. Credit card debt will be described below. Credit cards had better not be overdrawn.

2. Five categories of credit cards: normal, stop payment, freeze, bad debt and cancellation. Except for normal and outdoor sales, the other five-level classification status must be updated to normal to meet the import standards, otherwise the qualification will not work. For example, if it is overdue or frozen, you can call the corresponding institution to apply for renewal, or provide proof of non-malicious repayment. Some banks will update you as long as you are not malicious, or they will update you immediately if you fail to pay it back within the time limit. Bad debts are hard to sell, especially those caused by malice. Even if it is settled, it will show the status of bad debts. Stop payment, you can cancel the account and update it.

3. How to calculate credit card liabilities?

The average bank will look at the total debt of its customers. Here, I also want to talk about how to treat loan liabilities. One is the total amount of outstanding loans, and the other is the accumulation of monthly repayment. The requirements of banks are different, and the calculation methods are different. Another situation is that the mortgage loan of this suite you mortgaged is shown in the credit report, so this one needs to be settled before the next repayment, so this one is not a debt, just subtract it.

Credit card liabilities: Most banks will regard the used amount of credit cards as credit card liabilities, that is, the used amount * 10%= monthly credit card liabilities.

Therefore, total liabilities = total credit card liabilities+loan liabilities+current loan amount.

The reference basis of debt mainly depends on whether you are too high and insolvent. There have been some clients who mortgaged 2 million worth of real estate, and the debt is already 2.3 million, and the house they sold can't cover the debt, so it needs to be examined more carefully.

How much is overdue at present?

The credit report shows the repayment last month, which means February. Credit information shows that the last column of a loan is overdue, and the repayment is 65438+ 10 month. This is the current overdue. Whether your loan or credit card is overdue in the last column, you have to wait until the credit information is updated to meet the entry conditions, because the recent overdue is a taboo. If it is overdue last month, there is no guarantee that it will not be overdue next month and it will not be overdue next month. If there are several overdue loans or credit cards, there must be something wrong with today's capital turnover. This will also carefully examine customers.

Guarantee part:

Guarantee information usually appears on three types of customers:

1. mortgage to buy a house couples or relatives guarantee each other.

2. Credit card guarantee

3. Operating shareholders guarantee each other.

Guaranteed liabilities are also included in your total liabilities. At present, there are two calculation ratios: unsecured loan 1, mortgage loan 100%, mortgage loan 50%, 100% 2. But there are also those who don't watch, very few, almost all of them.

Matters needing attention in the query section:

Inquiry is divided into two parts: financial institution inquiry and personal inquiry. Let me start with a premise: are you handling loans, credit cards, online loans, etc. You will check your credit information once.

When you go to the bank to handle the mortgage loan, the account manager will ask you to sign a letter of authorization for credit investigation, and take photos to confirm that I agree to check the credit investigation, which is now displayed in your institution's inquiry.

1. Contents and significance of financial institutions' inquiry

The inquiry of financial institutions in this chapter shows whether the first loan you applied for has passed or not.

The query displays three columns:

1. Name of lending institution

Step 2 ask about the time

3. The query reasons are generally divided into several categories:

1. loan approval: loan applications, especially for state-owned banks, commercial banks and large financial institutions, have loan applications and submission materials. There is also an application for online loan. I can check your credit information after I agree.

2. Credit card approval: including rejected or approved credit card applications.

3. Post-loan management: For loans or credit cards that have passed, your usage will be checked regularly, and the number of inquiries is not counted.

4. Pre-insurance review: This is checked by the insurance company. Applying for credit loans by microfinance companies under general insurance companies will also show that this statement is not comprehensive and is for reference only.

5. Guarantee review: as a guarantor, applying for a loan will also check the credit information.

Corresponding requirements of banks for the number of inquiries: there are generally three types 1. I have seen all the historical queries, but there are few hard conditions.

2. No more than 6 inquiries in the past six months.

No more than 4 times in 3.2-3 months.

4. 1 No more than 3 times a month.

The significance of inquiry mainly depends on whether the customer is short of money and whether the channel has applied for loans or credit cards many times in the short term. If there are too many questions, the bank will check them carefully.

Personal inquiry part: mainly through online inquiry network to inquire about credit information or take ID card to the People's Bank to print detailed credit information. Note here that personal inquiries are not included in the number of inquiries specified by the bank.

So many people will ask, since the bank checks my credit, why should I do a detailed version of the credit?

Banks need to look at your qualifications before they can preliminarily judge whether you meet the requirements of banks, so they need to provide a recent credit report first. If you check first and suddenly find that there is a current overdue, it will not work, otherwise it will waste your inquiry times, and it will not be worth the candle. !

Hope to adopt. Good luck.