How many online loans can t be made, and can t you get a loan if you have more than 3 online loans?

"According to the regulations on online loan interest rates in 2021, the online loan interest rate cannot exceed 36%, and online loans exceeding 36% are not protected by law, and borrowers can choose not to repay. ”

Whether you can continue to take out more than 3 online loans depends on the user's personal debt ratio.

Repayment status as well as the amount borrowed, if username.

If there are 3 online loans, and these three conditions are also met, then you can continue to apply for loans.

When the user applies for a loan, if the loan records on the credit record are all repaid on time and there is no record with it, it means that the user has a good willingness to repay and a strong repayment ability. Moreover, if the 3 online loans under the name are already in the state of settlement at this time, then there is no impact on the subsequent application of any loans, but it is beneficial.

When a user applies for a loan, if the 3-ratio online loan under his name is in the state of settlement, or is partially settled, as long as the number of online loans in the repayment does not exceed 3, then the loan application is still possible, and the approval rate will not be low. Because if there are too many outstanding loans under the user name, the lending institution will consider it a long loan, so it will directly reject the loan application.

When the user applies for a loan, if the total debt ratio of the 3-to-online loan has exceeded 50%, then it is impossible to continue to apply for the loan, even if the application pass rate will be very low, it is recommended that the personal debt ratio should not exceed more than 50% of the monthly income when applying for the loan. Because the user's personal debt ratio is too high, it means that the user's repayment ability will be relatively weak, and the risk taken by the lending institution after lending is relatively high, so there is a high probability that the loan will be rejected.

According to the Interim Measures for the Administration of Business Activities of Online Lending Information Intermediaries, the number of outstanding loans from an individual at the same online lending information intermediary shall not exceed two. This means that each person cannot borrow more than 2 times on the same online lending platform.

Going back to the problem of insufficient overall scores, it is true that some people will be identified as black accounts because of their low credit scores, and the high frequency of online loan applications may be one of the reasons. "Kingfisher data"You can use the platform to find out your credit status and check if you have frequent online loan applications.

To sum up, according to the relevant regulations, the number of outstanding loans on the same online lending platform cannot exceed 2. Also, if you are identified as a black account, it may be due to insufficient overall score or other reasons. Once you understand the specific reasons, you can take steps to improve your credit profile.

Summary. Hello, thank you for your inquiry. If you take out more than 3 online loans, you can still make a loan.

Online lending is mainly based on the credit situation of the individual, if there are more online loans under the name, it is multiple credit, and the probability of the next payment will be smaller, but it will not affect the loan, as long as the last 2 months do not exceed 4 times General bank loans will not be restricted [smile].

Can I not take out a loan if I have more than 3 online loans?

Hello, thank you for your inquiry. If you take out more than 3 online loans, you can still make a loan. Online lending is mainly based on the credit situation of the individual, if there are more online loans under the name, it is multiple credit, and the probability of the next payment will be smaller, but it will not affect the loan, as long as the last 2 months do not exceed 4 times General bank loans will not be restricted [smile].

It doesn't matter if the online loan has been settled, if you plan to buy a house recently, don't apply for a credit card or apply for an online loan, to prevent too many credit inquiries, as long as there is no current overdue, the current number of inquiries is not much, and the debt is not large, the loan is not affected now. [smiles].

The credit report is shown 14 times.

The main reason for the mortgage is to see that in the past two years, even the problem will not be very big, if it has been overdue recently, it is better to try to change to a main lender.

There is no overdue once, the main lender is my daughter-in-law, she has never taken out an online loan, just a car loan, which has been settled and is not overdue.

That has no effect, it's okay if you don't have a lot of inquiries recently Mainly you look at the last two months or half a year Credit inquiries (credit card approval and loan approval) don't have too many [smiles].

I have, but I'm not the main lender, and my daughter-in-law doesn't have her as the main lender.

If the house has the names of two people written, both parties need to check the positive letter, and if one party is not satisfied, it will not work, if your credit is not good, try to buy it separately [smile].

There are many online loans on the market that can provide borrowing services, which can help borrowers solve the problem of capital turnover. However, most of the regular online loans are on the credit report, and if you apply for other loans in the future, you can see the online loan record when you check the credit information when you approve it. Some people will ask if I can't take out a loan if I have more than 3 online loans?

In fact, the key is to look at these factors.

Can I not take out a loan if I have more than 3 online loans?

When handling a loan credit check, the borrower's credit status and repayment ability are usually judged based on the credit card records and loan records on the borrower's credit report. If the borrower has previously applied for an online loan with a credit investigation, it will affect the subsequent handling of other loans, but it does not mean that more than 3 online loans cannot be borrowed, and these factors should be combined to analyze:

1. Repayment status: If the online loan on credit can be repaid on time and there is no overdue, it means that the borrower's credit status is good and the repayment ability is also good. If 3 online loans are settled, although you can still see the records in the credit report, it will not have much impact on the loan.

2. Number of loans: If it is a bank loan that is taboo to borrow long, that is, the borrower's credit report has more than 3 institutions lending records and is still in the state of repayment, for example, if there are more than 3 online loans that have not been paid off, the bank will be more strict in the review of the borrower's qualifications in order to avoid risks.

3. The amount of arrears: If the borrower's outstanding arrears, including online loans and credit cards, account for 50% or more of the income, it means that the borrower's debt ratio is relatively high, and the corresponding repayment ability is not very good, which is not conducive to subsequent loan approval.

<> is generally three months.

If it is executed, Kino can request to be unfrozen after the execution is completed.

If it is overdue for more than 3 consecutive months, it should be blacklisted by the bank, and the bank card will be frozen.

If the credit card is frozen due to overdue, it cannot be unfrozen.

Malicious overdraft of credit card: refers to the overdraft of the cardholder for the purpose of illegal possession in excess of the prescribed limit or within the specified period, and the card-issuing bank has not returned it for more than 3 months after being collected twice.

Extended Information: How to Remedy Credit Card Overdue Reporting?

1. The overdue period shall not exceed 20 days.

If you have maintained a good habit of using the card before, you can use the following two methods for occasional overdue (no more than 20 days):

1) Repay the loan in full and call the bank to declare that it is not maliciously overdue.

After receiving the overdue notice from the bank, immediately call the customer service to explain the reason for the overdue, and strive to get a grace period of a few days (time tolerance), so that the bank does not report the credit situation to the People's Bank of China, so that it will not affect the personal credit record. If you have been using the card well, the bank will generally help you apply for it, and the success rate is quite high.

If conditions permit, it is recommended to pay off the card debt in full, including late fees and interest, unless it is really financially tight and unable to repay, you can consider negotiating with the bank to repay it in installments. At the same time, you should call the bank's credit card center to indicate that you are not maliciously overdue.

Starting from July 1, 2013, banks should provide tolerance and tolerance services to credit card holders: if the cardholder owes less than 3 days and the amount owed is less than 10 yuan, it shall be deemed to be repaid on time, and the bank shall be reminded 3 days before the due date of repayment of the credit card.

ICBC does not have a tolerant repayment policy, note that Guangfa Bank's tolerant policy can only be applied once a year, and China Construction Bank and Citibank do not have a tolerant repayment policy.

Although the credit card centers of different banks provide different standards of time tolerance services, cardholders can still repay the loan in full and on time unless there are special circumstances. Once it causes overdue roughness, it will not only have to pay a high late fee, but also affect personal credit reporting.

2) Insist on using the card after the overdue period and maintain a good repayment record.

The credit card repayment information will be recorded by the central bank's credit information system for 24 months, and the bad credit record generated by the overdue repayment of the credit card will be kept in the credit information system for two years.

If you cancel the card, the corresponding repayment record will no longer roll, and your overdue record will be kept for a long time. After the credit card is overdue, it is best to insist on using the card for more than two years and maintain good credit during the period, so that the bad record can be removed from the credit reporting system by rolling records.

2. Overdue for more than 20 days.

If it is overdue for more than 20 days, it is recommended that you take the initiative to call the bank and repay the loan immediately, as long as the bad record has not been reported to the credit information system of the People's Bank of China, take the initiative to call the bank to explain the reason, and actively pay off all the arrears, the bank will still help you eliminate the bad credit record. For your reference.

Summary. Hello, 3, there can be no more than 3 online loans for home loans, if there is, it must be settled!

Hello, 3, there can be no more than 3 online loans for home loans, if there is, it must be settled!

Individuals applying for a housing loan need to meet the following conditions of 1:1Have a permanent urban residence or valid residence status; 2.

Have a stable economic income, good credit, and the ability to repay the principal and interest of the loan; Pin good 3There are legal and valid contracts and agreements for the purchase, construction and overhaul of housing, as well as other supporting documents required by the lending bank; 4.Self-financing of more than 30% of the total price of the purchased housing and guaranteed to cover the down payment of the purchased housing; 5.

A legal person, other economic organization or natural person who has the assets approved by the lending bank to mortgage or pledge, or who has sufficient solvency to resist losses on behalf of the borrower; 6.A contract or agreement for the purchase of a home has been signed. In addition, the borrower must meet other conditions stipulated by the bank.