Why am I not overdue on my loan?

1. Income is not good.

As the most important information for applying for loans, income is the key to ensuring the ability to repay, so online loans will judge whether to give the amount according to the borrower's income.

2. Poor credit.

Some users always think that credit has nothing to do with it, and the occasional one or two overdue times have little impact, in fact, overdue can reflect two aspects of the problem, one is poor financial condition, and the capital turnover will not be overdue. The other is that the integrity is not good, there is no awareness of repayment on time, and the habit is overdue.

3. Liabilities. Even if it is not overdue, but the current debt ratio is too high, it will also lead to the failure of the online loan, because a person's income is limited, and if he is still burdened with debts in addition to normal expenses, then there is not much money available for repayment, so institutions are generally reluctant to give borrowers with high debt ratios too high a limit.

If you are not overdue, but you can't apply for all kinds of loans, it may be because you don't meet some other aspects, or it may be because your bank turnover is not enough or there is a problem with your credit information, so it is impossible to apply for this loan.

Extended information: 1. What are the conditions required for bank loans.

1. Chinese citizens who have a fixed residence, permanent residence or valid residence certificate in the place where the lending bank is located, aged 65 (inclusive) or below, and have full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear purpose of the loan, and the purpose of the loan complies with the relevant regulations;

6. Other conditions stipulated by the bank.

2. Significance. Banks will put out the concentrated money and monetary funds through loans to meet the supplementary capital needs of the society for expanding reproduction and promote economic development; At the same time, it can also obtain loan interest income and increase the accumulation of the bank itself.

In China, the principle of paid use of loans is also used to promote enterprises to improve their operation and management; In addition, bank credit is regarded as an important way to allocate funds, and also as an important economic lever for regulating and managing the economy.

Additional information: The loan must meet its conditions before it can be loaned.

Loan Application Criteria:

1. To have a fixed income, you need to see the salary details;

2. Be at least 18 65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan Application Materials:

1. Lender's ID card;

2. The lender's credit information in the past six months, and the credit information is good;

3. The bank card flow in the name of the lender for nearly half a year has not been interrupted;

4. Proof of the borrower's residence permit (rental contract, real estate certificate, water, electricity, and gas invoices for the past three months);

5. Income certificate issued by the lender's employer;

6. Social security, insurance policy, and provident fund monthly payment can also be loaned.

If you want to borrow a higher amount, you can take out a mortgage, such as a house, car, etc.

If you don't expect why you can't apply for all kinds of loans, then you must be sure that what he said is that although you have no basis to do it, your credit is not enough, and you will be arrested if you sleep for 12 yuan, for example, if you don't have that job, he will definitely not be able to help you with a loan.

You can take a look at your credit history. It is estimated that there are other non-performing loans.

Summary. Hello dear dear I am happy to answer for you how I have a loan overdue without a loan: I did not apply for a loan, but I received an overdue message, this may be the wrong information sent by the lending institution, or someone else filled in your mobile phone number when applying for a loan.

Hello dear dear, I'm glad to answer for you how do I have a loan overdue: I didn't apply for a loan, but I received an overdue message, this may be the wrong information sent by the lending institution, or someone else filled in your mobile phone number when applying for a loan.

Loan overdue usually refers to a phenomenon in which the borrower fails to repay the loan principal and interest to the bank that issued the loan in accordance with the loan time limit agreed in the loan contract without going through the relevant extension or relending procedures after the loan is due, resulting in the loan exceeding the agreed period. Affect the next loan business application of the enterprise. As the first line of defense to prevent loan risks, the review post should pay attention to the acceptance process, increase vigilance, and review whether the application materials submitted by the applicant are complete, complete and compliant; Whether the applicant's subject qualifications meet the relevant business requirements of our bank and whether there is a bad credit record; Whether the purpose of the loan is in line with the credit policy of the Bank and whether it is specific and clear; Whether the loan investigation report is complete, whether the key financial indicators are calculated accurately, whether the data obtained are cross-validated, whether the customer's credit rating table is reasonable, and whether the palm recommendations in the investigation report are reasonable; **Verify the borrower's information, whether the guarantor of the guaranteed loan is aware of its guarantee liability, whether the team members of the joint guarantee loan are aware of its joint and several liability, etc.

For businesses that do not meet the requirements, they will be returned to the loan officer, and the loan officer will supplement the corresponding materials or refuse the loan according to the review opinions.

1. If the overdue amount is small and occurs without knowing it, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank.

2. If it is currently overdue (overdue, unsettled), it is usually impossible to take out a loan, and the borrower needs to settle the overdue loan and overdue credit card repayment before applying for a loan.

3. If it is a historical overdue, first see whether the credit record period has passed. At present, the overdue records kept in the credit report for nearly 5 years will not be reflected in the credit report if they are more than 5 years old. Therefore, overdue for more than 5 years will not affect the loan application.

4. If it is overdue within 5 years, the lending institution will review the overdue situation, usually the number of overdue times exceeds 6 times, or more than 3 consecutive times of overdue, the loan will be rejected (different bank standards are different). If the credit card is only overdue once, and it is not currently overdue, it usually has little impact on the loan.

1. What are the conditions for going to the bank for a loan?

1) Loan Target:

1. Chinese citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in the mainland;

2. Pay the first installment of the purchase price (not less than 30% of the total purchase price);

3. Have a stable economic income and have the ability to repay the principal and interest of the loan;

4. Agree to use the purchased property as collateral for the loan.

2) The following conditions must be met at the same time:

1. Hold a legal household register, ID card or business license, legal representative certificate or legal residence permit or passport, and purchase a commercial house from a developer designated by the bank in this city;

2. Open a special deposit account in the bank, and the deposit balance shall not be less than 30% of the housing price to be purchased;

3. Have a valid purchase contract, agreement and other supporting documents;

4. Agree to use the property under the purchase contract as collateral;

5. Willing to fulfill all the terms of the loan contract;

6. Other conditions stipulated by the bank.

3) Information to be issued and provided:

1. Original and photocopy of resident ID card;

2. The original and copy of the house purchase book;

3. The original and copy of the payment of the first installment;

4. Proof of monthly contribution ability, including: proof of personal and family income, certificate of deposit (passbook or other valuable**), etc.

Yes, there is no overdue and does not affect personal credit and does not affect bank loans.

Bank Loan Application Requirements:

What the borrower needs.

1. Natural persons aged 18-60 (Hong Kong, Macao, Taiwan, mainland and foreign countries are also acceptable).

2. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time.

3. The actual age of the borrower plus the loan application period should not exceed 70 years old.

1. What materials should be provided when taking out a loan?

1. ID card and household registration book of both husband and wife Foreigners need temporary residence permit and household registration book.

2. Marriage certificate, divorce certificate or court judgment and 2 copies of single certificate.

3. Proof of income (in the format specified by the bank).

4. A copy of the copy of the business license of the unit (with the official seal).

5. Credit certificate: including academic certificates, other real estate, bank statements, large certificates of deposit, etc.

6. If the borrower is an enterprise legal person, it must also provide the business license, tax registration certificate, organization certificate, articles of association and financial statements that have passed the annual inspection.

2. What are the main functions of personal credit reporters?

1. At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search.

In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

2. The main factors that may affect the personal credit risk score are: there has been overdue repayment in the loan, or the credit card overdraft has not been repaid according to the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

3. The process of the loan.

1) Loan application. If the borrower needs a loan, it shall apply directly to the host bank or the handling agency of other banks, and the application shall include the basic contents of the loan amount, the purpose of the loan, the ability to repay and the method of repayment.

2) Credit Assessment. The lender shall assess the borrower's credit rating based on the borrower's leadership quality, economic strength, capital structure, performance, economic benefits and development prospects.

3) Loan investigation and approval. After accepting the borrower's application, the lender shall conduct an investigation into the borrower's credit rating and the legality, safety, and effectiveness of the loan, verify the collateral, pledge, and guarantor, and determine the risk degree of the loan. After the above-mentioned investigation, the lender verifies and evaluates the information provided by the investigators, re-tests the risk degree of the loan, puts forward review opinions, and approves the loan application in accordance with the prescribed procedures and authority in accordance with the loan management system of separating the examination and loan from the loan and grading the approval.

If the user is overdue, but the overdue record is not uploaded to the credit report, then the user can apply for a loan if he answers.

The overdue record will be uploaded to the credit report, and the user will not be able to apply for a loan until the overdue record is deleted, and even if the loan is applied, the loan application will be rejected quickly.

One of the conditions for applying for a loan requires that the user has a good credit report, and it is impossible to apply for a loan if the credit is bad.

The overdue record will be retained in the credit report for 5 years after settlement, so the user's credit report can be restored to normal after 5 years. If you have a credit card overdue, try to provide proof of your ability to repay to the bank, such as proof of assets in your name, or provide a guarantee.

Legal analysis: In practice, when the bank loan is not repaid, the bank will generally collect three times a year, and if the debt is not repaid after collection, the bank will file a lawsuit with the court.

Legal basis: Article 676 of the Civil Code of the People's Republic of China If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.