I owe a lot of money in online loans, can I still lend money in the bank?

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There are many online loans that are not terrible, but what I am afraid of is that I have not repaid in time, and if I have overdue circumstances, I can't borrow money in the bank, if I repay normally and have a good credit history, there is no problem.

Of course, this phenomenon is that the bank is not able to lend money, and it will also affect your credit to a certain extent, so it is best not to go to the online loan.

No, because after the online loan is owed, there will be an overdue record on the credit report, and there will be no way to get a loan at the bank.

From now on, if you have money, you will spend it, and if you don't have money, you will carry it, and you will never borrow a penny again.

Summary. If the debt ratio has exceeded 50%, then the user can still go to the bank to apply for a loan, but the probability of passing the loan review will be very low.

If the user's online loan debt amount is high, but the overall debt ratio is not high, the user can continue to apply for bank loans on the premise that there is no bad record, and the review results of the bank loan will not be affected by the previous online loan.

If the user's online loan has affected the bank loan, the bank will directly inform the user, and at this time, the online loan can be paid off in advance and the bank loan can continue to apply.

If I owe a lot of online loans, can I still go to the bank for a loan in the future?

If the debt ratio has exceeded 50%, then the user can still go to the bank to apply for a loan, but the probability of passing the loan review will be very low. If the user's online loan debt amount is high, but the overall debt ratio is not high, the user can continue to apply for bank loans on the premise that there is no bad record, and the review results of the bank loan will not be affected by the previous online loan. If the user's online loan has affected the bank loan, the bank will directly inform the user, and at this time, the online loan can be paid off in advance and the bank loan can continue to apply.

Can I apply for a personal credit loan from the bank with a credit E score of 270 in the credit report.

Dear, it's okay

Can I apply for an e-loan without a rural credit cooperative card?

Dear, you can only apply for a savings card with Rural Credit Corporation, and you also need to go to offline outlets to extend credit before you can apply for a loan directly online. So in fact, there are not many people who meet the requirements, but if there are any, you can still try. Because this product also has a big advantage, that is, the pass rate is high, and the credit requirements are not high.

As long as it does not affect the personal credit report, you can go to the bank to apply for a loan, and if the online loan is not repaid, if it is not overdue, it will not affect the personal credit report, so in this case, you can not go to the bank to apply for a loan. If it is because you really can't repay, then you can negotiate with an online lender to find an opportunity to extend the repayment period or repay the loan in installments! However, if you choose not to pay it back because you can't afford it, there will be many serious consequences.

1. Encounter penalty interest and liquidated damages, and bear high overdue costs.

The first thing encountered is a high penalty interest, and some financial institutions need to pay a penalty on top of the penalty interest. These fees add up to a lot of money, so develop good repayment habits.

2. Credit is damaged, and credit is stained.

At present, most online lending platforms have not yet been connected to the credit information system, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences were just disgrace, then the stain on credit will affect actual life, and there is no way to borrow if you want to buy a house.

If you want to buy a car, you can't get a mortgage and so on.

3. If the circumstances are serious, you will be imprisoned.

After the loan is overdue for a long time or the amount is deliberately not repaid more than 2,000, it can already constitute a crime of fraud and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

Many online loans on the market have service fees in addition to interest, and whether the service fee is legal depends on whether the interest rate of the comprehensive cost of borrowing exceeds the usury standard stipulated by the state, and the protected annual interest rate in China is 24%, and more than 36% will be identified as usury, which is not legal. However, there is no service fee for borrowing from banks and formal lending institutions, and the interest on the loan is far lower than the warning line of usury.

No, because I have a lot of arrears now, and these online loans will also affect my personal credit, so the bank's loan will not be approved.

Hello, I'm glad to answer for you, you can also apply for a loan at the bank if you have an online loan, but it depends on the amount of your online loan, if it exceeds the amount you should have borrowed in the bank, you can't take out a loan. In fact, the current formal online loans are connected to the central bank's credit system, and the relevant information you forgot to bring will be on the credit report. This information will be found by the bank when it inquires about the borrower's credit, which will affect the approval of the bank's loan amount.

Question: I don't understand whether I can apply at all.

For example, the bank grants you a limit of 150,000 yuan, but you borrow 100,000 yuan online, the bank will only give you a loan of 50,000 yuan.

Question: That's an online loan of one or two hundred thousand, it shouldn't affect it.

Okay, thank you.

No, most of this situation will affect the credit investigation, so there is no way to apply for a loan, and the loan amount will be very small.

Put the debt aside for now. Depending on your own situation, whether you have a provident fund, mortgage house, life insurance policy, car, etc., these purchases require bank or institutional credit. If you have one of the above entry conditions, the personal credit report has not been seriously overdue in the past, and the credit investigation record in the past two months to six months (less than 6 times in half a year, less than 6 times) is not more than 4 times in two months, including credit card approval and loan approval), you can try to apply at a bank or credit insurance company.

Different banking institutions have different standards of review. The incumbent debtor's bank can refuse to lend, and the credit insurance company can approve it. Here comes the trade-off.

If it passes, look at the interest rate, repayment cycle, etc., and compare the online loan situation before deciding whether to withdraw money. The monthly interest rate of online loans exceeds 1 point, and the annualized interest rate is 35%. There is also the issue of the length of the repayment period.

Credit insurance companies have an annualized interest rate of about 20%. The cycle is generally 3 years with equal principal and interest.

Under normal circumstances, it is difficult to apply for a bank loan for online loans. Not only because the bank can investigate your big data credit, but also because it is worried that you will borrow money to repay the loan, and the bank will end up being the scapegoat. First of all, when you apply for a loan from the bank, the first step is that the bank will check the credit information from the database of the People's Bank of China Credit Information Center.

Even if the applicant is a bank account, you will see the number of times you have been queried for credit information on other platforms, and you can query big data credit.

No, because online loans will also affect your own credit information, if your credit is not very good, the bank will not be able to give you a loan.

I borrowed a lot of online loans, can I still go to the bank for a loan, can I get it?

As long as your credit report has no overdue record, as long as your credit is good, there is no problem at all, and the amount of questions is not very high.

Is it necessary to pay off the online loan first.

Answer: As long as you are not overdue, you can, generally overdue will be on the credit report, but it is necessary to look at the following aspects: 1. Borrowing platform, some online loans will be on credit as long as they are overdue, and some online loans will have a grace period, and they will only be on credit after the grace period has passed. 2. Overdue amount, if the amount of overdue loans is relatively small, some platforms will not upload overdue records, but if the overdue amount is relatively large, the speed of credit investigation will be faster.

3. Overdue duration, the longer the overdue time, the higher the probability of getting on the credit report.

Therefore, it is recommended that you pay off the online loan as soon as possible.

Question: Do I have to pay off all the online loans before the bank can borrow them?

It's not overdue, it's an installment that hasn't been paid off yet.

It's not okay to ask a question.

The answer is not overdue, then you can repay it on time, these things do not affect your bank loan, I hope my reply can help you I wish you a smooth follow-up here, 12 more

No, because this has had a serious impact on our lives, and we are likely to be on the credit list.

No, because I still owe a lot of money, the bank will also have relevant information, and I will not give any more loan money.

If you borrow a lot of online loans, I think the possibility of going to the bank for a loan is relatively low, and it will be more difficult. Because it's all connected now, he can see that you have a loan, how much is it? If it exceeds a certain amount, it may be considered that the repayment ability will not be granted, and it is very possible that this phenomenon will not be loaned to you.

If you can repay the loan on time and have a good credit report, you can also apply for a bank loan, as long as you submit proof of income and recent bank statements and other information through the bank's review, you can get the loan. If you are seriously overdue and have bad credit, the bank will not lend you to the person on the credit blacklist.

Banks have strict risk review and control over this kind of loans, usually referring to the borrower's borrowing ability and borrowing risk. Summary.

Hello, I am a lawyer at LegalPro and I will answer your question after I finish reading it.

There are many types of bank loans, such as credit loans, mortgage loans, pledge loans, etc., among which credit loans refer to personal credit to apply for loans without collateral guarantees, which is also a more popular loan method.

Banks have strict risk review and control over this kind of loans, usually referring to the borrower's borrowing ability and borrowing risk.

If you owe a lot of online loans, especially those on the credit report, the borrower's ability to repay the loan will be relatively weak, and the loan risk will be relatively high. Of course, it is not excluded that online loans that are not on credit investigation are not connected to the central bank's credit information, and the bank cannot find out, and there is also the possibility of approving loans.

Bank loans also depend on the purpose of the loan, and now the supervision strictly controls the flow of bank personal loan funds, prohibiting the flow into real estate and overdraft markets, etc., which can only be used for personal reasonable consumption, and repaying online loans is an act of repaying loans with loans, and banks will not agree to this practice of transferring risks.

Well, so, this mainly depends on your repayment ability, that is, whether there is a problem with your income and your credit information.

Hello, whether you can get a loan in the bank depends on whether your conditions meet the requirements of the bank, and there is no direct correlation with the amount of online loans. The interest rate of online loans is generally very high, and people who can take out loans in banks will not do online loans, so since you have borrowed a lot of online loans, it means that your own conditions are simply that you can't borrow money from the bank to do online loans, so it is judged that you can't borrow money in the bank.

No, if you borrow too much online loans, you will generally refuse to approve your credit record and debt ratio if you go to the bank to apply for a credit loan or a housing loan.

It should be more difficult for bank loans, because even small loans will be authorized to check personal credit, and when the bank checks personal credit, it will also refuse to borrow if it finds that there are many inquiry records.

No, because online loans hurt credit very much, so don't take out loans, don't take out loans, stay away from routine loans, isn't it? Please stay away from routine loans, because he is so hateful and makes you miserable, isn't it? Alas.

Online loans borrow a lot, as long as it is not a formal platform, it will not affect the personal credit problem, then you can also go to the bank for a loan, but now it is not so easy to go to the bank for a loan.

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze, get a credit report on the innocent data and the like, and find out which online loans you currently owe? Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.