If you have a debt of 120,000, can you still get a loan of 100,000?
If the debt ratio does not reach or exceed 50%, you can get a loan of 100,000.
The user already has a debt of 120,000. As long as the personal debt ratio does not reach or exceed 50% and meets the loan conditions, the user can continue to apply for a loan of 100,000. In fact, if previous liabilities have affected this loan, the lending institution will inform the user to pay off the previous debt in advance. The lending institution does not require users to pay off their previous debts in advance. Users can just apply for the loan normally. Can I get a loan from Agricultural Bank of China’s online Jiedai loan of RMB 100,000 if my debt exceeds RMB 100,000?
No.
1. If the user's debt ratio is higher than 50% of the turnover, then the Agricultural Bank of China's online loan will reject the user's application. When the user applies, the system will automatically verify whether the user meets the application conditions. If the user cannot meet the requirements The system will automatically prompt you to apply for the Agricultural Bank of China loan. You must be a housing loan customer of the Agricultural Bank of China and have a good credit record within 5 years. Can I get a mortgage with a credit card debt of RMB 100,000?
That’s not possible! It requires you to pay off your credit card balance before you can apply for a mortgage. Therefore, if you owe the bank RMB 100,000 and have not repaid it, it is very likely that the mortgage approval will not be approved. If your credit card is not overdue, you can apply. It is recommended that you pay off your loan as soon as possible.
: A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".