Does it affect the car loan if you often take out online loans but are not overdue?

Frequent online loans but not overdue will affect the car loan.

If the customer handles too many online loans, even if they are not overdue and have no bad credit records on the credit report, it will also cause the credit investigation to become "spent" due to too many application records, and even multiple loans, which will affect the approval of the car loan in the future. Because banks (auto finance companies) find that customers have too many loan records when reviewing credit information, they will worry about their unstable economic life and insufficient repayment ability.

Extended information: 1. Online loans will affect the approval of car loans.

1. When the bank approves the car loan, it is necessary to comprehensively judge the comprehensive conditions of the applicant, of which the debt is a dimension to be assessed.

2. If you have more online loans, you have more money to repay every month, and you have more money to repay every month for your car loan and mortgage, it will have an impact.

3. Under normal circumstances, all liabilities add up to no more than 70% of the income to pass, if more than 70% is easier to be rejected.

4. For example, if your monthly income is 8,000 yuan, and you have to repay 3,000 yuan every month for an online loan, and then you buy a 300,000 yuan car, mortgage for 4 years, and you have to repay 4,789 yuan every month, then the money you have to repay every month is 7,789 yuan, and the debt ratio.

It's already over 97%, which is quite a lot of repayment pressure for you, because you have other expenses to spend in addition to repaying the loan. So car loans are easy to be rejected.

5. If you have a lot of debts and want to apply for a car loan, you can increase the down payment to reduce the monthly payment.

Pressure. 2. What are the conditions for taking out a loan to buy a car?

1. Have a valid identity certificate and have full capacity for civil conduct.

2. Able to provide proof of fixed and detailed address;

3. Have a stable occupation and the ability to repay the principal and interest of the loan on time;

4. Good personal social credit;

5. Hold a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the cooperative institution.

3. What is the process of taking out a loan to buy a car?

1. Introduce customers to choose a car at a special dealer of the bank and sign a car purchase agreement or contract;

2. The borrower applies for a personal car mortgage loan from the lending bank;

3. Sign the contract after investigation and approval;

4. Handle car notarization, mortgage and other procedures;

5. The lender (bank) handles the loan;

6. After the loan is repaid, the lender (bank) cancels the pledge certificate and returns it to the customer.

Frequent online loans but not overdue will affect the car loan.

Detectives buy a car and pick up the car nearby.

Entering March, the warmth of spring, it is not that I have not come, but for some reason, this year's warmth always shows a little lack of confidence. Wearing a vest that was hot yesterday will also sweat.

I was in the same situation as you at that time, at that time there was still a little arrears on the online loan platform, but it was not overdue, about tens of thousands of yuan, and then I went to buy a car in installments, but 2 did not pass, and then I took out more loans at one time, as long as you don't owe a lot of money, it's okay, you can take out a loan to buy a car, this is what the staff told me at that time, forget to adopt! Thank you! If it works for you.

It doesn't matter how much you contact with online loans, as long as you don't have overdue arrears and non-repayment, it is no problem under normal circumstances. Credit investigation is mainly for the kind of old man, that is, the kind of person who is blacklisted by the bank. This should be an excellent performance for those of us who repay their repayments in a timely manner.

This on-time repayment is not affected by credit reporting. There is no need to worry, but it is better not to take out a loan for online loans. If there are too many platforms, you won't be able to pay it back.

In the case of normal repayment, there should be no impact on credit reporting.

No, it can be seen from the process of car purchase loan that only the credit information of the borrower is sufficient, and there is no overdue.

1. The lender submits the details of the loan application materials to the bank;

2. The bank conducts a preliminary review of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation of car purchase lenders;

4. If it has passed the bank's preliminary examination and credit investigation, the loan application will be approved;

5. After the customer's qualifications and information pass the review, you can sign the contract, go through the mortgage registration and insurance procedures, sign the vehicle loan mortgage contract, one for the bank, one for the customer, and one for the car sales contract, one for the car dealer, one for the customer, and one for the bank; If the approval is not passed, the bank will explain to the borrower;

6. After the loan contract takes effect, the handling bank will issue the loan, and the whole approval process is 3 to 5 working days. The bank adopts a special fund method, that is, according to the contract, the handling bank will directly transfer the loan to the borrower's 4S store account for the purchase of the car.

7. Handle the procedures for picking up the car: the borrower will hand over the down payment to the car dealer, and go through the procedures for picking up the car with the bill of lading issued by the bank, and give the car a license plate, and after the license is completed, the vehicle license, invoice, insurance policy, driving license, ID card, and household registration book will be submitted to the bank, and the bank will return the driving license, ID card and household registration book after the mortgage.

The overdue car loan will also affect the user's online black index score, if the online black index score is too low. The score standard of the Internet Black Index is 0-100 points, the higher the score, the better the credit, and when the score is lower than 40 points, it belongs to the online loan blacklist. A low score on the Internet Black Index will not only affect the success rate of online loans, but also affect the user's Huabei and borrowing quotas, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

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Question: I have a lot of online loan records, does it affect the car loan, have not overdue answer Hello, dear, I can fully understand your feelings, will not affect, in fact, most online loans are not connected to the central bank credit system, so they are usually only recorded in big data, and credit information has little to do with it, and the customer goes to the bank or auto finance company to apply for a car loan, and the handling bank (auto finance company) is mainly to review the customer's credit situation. As long as the customer has a good credit report, meets the requirements of the loan conditions in all aspects such as age, and has the ability to repay on time, he will generally be able to apply for a car loan smoothly.

However, we also need to note that some online loan platforms and their lenders are also connected to the central bank's credit system, and most of the online loans on such platforms will be recorded on the credit information. So it's very important to maintain good repayment habits, dear, and I hope my answer will be helpful to you! Thanks, thank you for the question.

It won't affect your loan to buy a car! The main reason is that there are not so many conditions for taking out a loan to buy a car as there is a mortgage review, and normally as long as you have no problem with the credit report, it is still no problem to buy a car with a loan! However, it is also recommended that you do not go to the online loan to borrow money often, after all, there are too many online loan records, which will still have an impact on you to borrow money from the bank in the future!

The impact of a loan to buy a car depends on your debt.

The online loan has been paid off normally, and there is no overdue record, which has no negative impact on the loan to buy a car, and you can apply for a loan to buy a car.

If the online loan has been overdue more than 6 times in the past two years, or the overdue time has exceeded 90 days, it is maliciously overdue, then if you want to apply for a car loan, you will be directly rejected by the lending institution.

Extended Material: Loan Classification.

Corporate car loans. To apply for an auto consumer loan, if the borrower is a legal person, in addition to providing ID card, household registration book, income description, asset certificate, etc., it is also necessary to provide business license, institution**, tax registration certificate, etc., and the legal person must be himself.

Interest-free loans. Interest-free loan to buy a car is a preferential car loan scheme proposed by dealers according to market demand, which reduces the pressure of consumers to buy cars to a certain extent. However, the interest-free car loan discount is not available for all models, and there are certain restrictions.

So what are the restrictions on buying a car with an interest-free loan? Which models can be loaned?

According to people familiar with the matter, not all models can enjoy this policy when buying a car with interest-free loans, and only models that meet certain conditions can apply for interest-free car loans. In general, there are two conditions that need to be met to apply for an interest-free loan to buy a car:

1. Vehicle model restrictions. Typically, an interest-free car loan is a dealership's offer for a specific model, and not all models are suitable.

2. The monthly repayment amount is large. Some models require consumers to repay less than about 5,000 yuan per month, which is relatively stressful for this repayment method.

Interest-free loans tend to be for those that are not popular, and not all models are eligible for this offer. And the models that participate in interest-free loans are often based on the guide price, not in the dealership, which is usually much higher. And even if there are discounts on these models, it is much less than buying a car in full.

In addition, interest-free loans often require a higher down payment than regular loans, and sometimes the repayment period is shorter, so the pressure to buy a car is also very high, even more than that of a regular loan.

2013 latest car loan rates.

2012 latest auto loan interest rate If you apply for a traditional auto loan, each bank is based on the benchmark interest rate set by the central bank by 10%-30%, and each bank will review it separately according to the application materials provided by the application, so the specific loan interest rate of each bank is different.

Summary. Hello, it may affect. There are two types of car loans, one is a bank car loan, and the other is an auto finance company car loan.

Hello, it may affect. There are two types of car loans, one is a bank car loan, and the other is an auto finance company car loan.

If you apply for a car loan at a bank, even if there are too many online loan applications and no overdue credit records, there will be too many application records, which will cause the credit investigation to become "spent", and even multiple loans, which will affect the approval of the car loan in the future. Because when the bank finds that the customer has too many loan records when reviewing the credit information, it will worry about the instability of his economic life and insufficient repayment ability.

If it is a car loan applied for by an auto finance company, generally speaking, as long as there is no bad credit record, then the credit investigation is eligible, so frequent online loans but not overdue will not affect the car loan.

Of course, in addition to good credit, users generally need to provide proof of income or other financial resources to prove to the lending institution that they have a strong ability to repay, which is conducive to improving the approval rate of loan application.

If the applicant wants to get a car loan smoothly, then he or she needs to ensure that he or she has a good credit history. Because according to the requirements of the relevant loan terms, if the borrower is overdue more than three times in a row in the past two years, or more than six times in total, then the car loan application will not be successful.

[Legal basis].Article 9 of the Order of the People's Bank of China and the China Banking Regulatory Commission 2017 No. 2 - Measures for the Administration of Auto Loans.

The borrower applying for a personal car loan shall meet the following conditions at the same time:

1) Citizens of the People's Republic of China, or residents of Hong Kong, Macao and Taiwan who have resided in the territory of the People's Republic of China for more than one year (including one year);

2) Have a valid proof of identity, a fixed and detailed residential address, and have full capacity for civil conduct;

3) Individuals with stable legal income or sufficient legal assets to repay the principal and interest of the loan;

4) Have good personal credit;

5) be able to make the required down payment;

6) Other conditions required by the lender.