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㈠ 寰佷俊涓婇炬湡榪樿兘璐鋒懼悧

寰佷俊涓婃湁閫炬湡浠ュ悗榪樿兘鍔炵悊璐鋒懼悧錛

涓嶄竴瀹氾紝涓鑸錛岄摱琛屼細鏍規嵁閫炬湡榪樻劇殑嬈℃暟鍜屽師鍥犲垽鏂鏄鍚︽嫆緇濊捶嬈俱傞摱琛屼細鑰冨療浠ヤ笅鍑犵嶉炬湡榪樻炬儏鍐點

涓銆佸綋鍓嶇殑閫炬湡鎯呭喌

濡傛灉鐢寵蜂漢褰撴湀鏈夐炬湡榪樻劇殑鎯呭喌錛岄偅涔堥摱琛屾槸涓嶄細緇х畫瀹℃壒鐨勩傞櫎闈炵敵璇蜂漢絝嬪埢灝嗛炬湡鐨勬瑺嬈捐繕涓婏紝鍚屾椂榪樿佹彁渚"榪樻懼皬紲"錛堝瓨嬈懼洖鎵у崟錛夈

浜屻佺敵璇蜂漢鐨勫巻鍙查炬湡鎯呭喌

涓鑸鎯呭喌鏄錛岄摱琛屽圭瘡璁6嬈′互涓婄殑閫炬湡鏄涓嶄簣鍙楃悊鐨勩備絾濡傛灉閫炬湡鍙戠敓鐨勫師鍥犳槸浠ヤ笅3縐嶆儏鍐碉紝閭d箞閾惰屼竴鑸榪樻槸浼氬彈鐞嗚捶嬈劇敵璇風殑銆

1銆侀摱琛屽師鍥犻犳垚閫炬湡銆傞偅涔堢敵璇蜂漢鍙浠ヨ佹眰鍘熷熸鵑摱琛屽嚭鍏烽潪鎮舵剰閫炬湡璇佹槑銆

2銆佹湁榪囩瘡璁6嬈′互涓婄殑閫炬湡錛屼絾鏄鍏朵粬鏃墮棿鐨勮繕嬈炬儏鍐甸兘寰堣壇濂斤紝騫惰兘鍚戦摱琛屾彁渚涙病鏈夋寜鏃惰繕嬈劇殑闈炰富瑙傚師鍥犵殑璇存槑錛屽彲灝濊瘯鍚戝師鍙戝崱閾惰屾垨璐鋒鵑摱琛岀敵璇峰嚭鍏烽潪鎮舵剰鐨勮繕嬈捐瘉鏄庛

3銆侀炬湡榪樻懼彂鐢熷湪2騫村墠錛屽逛簬2騫村墠鍙戠敓鐨勯炬湡錛岄摱琛屼竴鑸涓嶄細鍐嶈″叆鍒扮敵璇蜂漢鐨勯炬湡嬈℃暟涓銆

涓夈佺敵璇蜂漢鐨勮繛緇閫炬湡嬈℃暟

瀵硅繛緇3嬈′互涓婇炬湡鐨勭敵璇蜂漢錛岄摱琛屼竴鑸涓嶆効鍙楃悊銆傚湪瀹為檯鎿嶄綔涓錛屼竴絎旇捶嬈炬槸鍚﹁兘鍚﹁幏鎵硅繕涓庡浗瀹舵暣浣撶殑淇¤捶鏀跨瓥鐨勬澗緔ф儏鍐碉紝鐢寵蜂漢涓浜虹殑緇煎悎璧勮川錛屽傚伐浣滐紝鏀跺叆錛岃祫浜х瓑鏈夊叧銆

鏈夎繃閫炬湡璁板綍鐨勮兘涓嶈兘璐鋒

鏈夎繃閫炬湡鏄鍚﹁兘鍔炵悊璐鋒撅紝瑕佸垎閫炬湡鐨勬儏鍐墊潵璇淬2騫村唴錛屾病鏈夎繛緇3涓鏈堥炬湡鎴栫瘡璁6涓鏈堥炬湡錛屽悓鏃跺綋鍓嶆病鏈夐炬湡錛屽熀鏈涓婃槸鍙浠ュ姙鐞嗘姷鎶艱捶嬈劇殑錛屽姙鐞嗕俊鐢ㄨ捶嬈句細姣旇緝鏈夐毦搴︺傝岃秴榪囦簡榪欎釜鏍囧噯錛屽熀鏈涓婂氨寰堥毦鍔炵悊璐鋒句簡銆

涔熸湁鐨勯摱琛屽逛簬寰佷俊鐨勮佹眰涓嶉珮錛岄偅涔堣繖鏃跺欏氨瑕佺湅璐鋒句漢褰撳墠鐨勫緛淇℃儏鍐碉紝鑳藉惁閫氳繃閾惰岄庢帶浜嗐

鎷撳睍璧勬枡:

涓淇℃秷璐歸噾鋙嶆槸浠涔堟剰鎬濓紵

涓淇℃秷璐歸噾鋙嶇粡閾剁洃浼氭壒鍑嗚劇珛錛屾槸姝h勯潬璋辯殑閲戣瀺鏈烘瀯銆

鏄鐩鍓嶇24瀹惰幏鎵瑰紑涓氱殑娑堣垂閲戣瀺鍏鍙搞

娉ㄥ唽鑲′笢鍖呮嫭涓淇℃湁闄愬叕鍙搞佷腑淇′俊鎵樻湁闄愯矗浠誨叕鍙搞侀噾銛惰蔣浠舵湁闄愬叕鍙哥瓑銆

瀹樼綉鍦板潃鏆傛椂榪樻湭鍏甯冿紝鐩鎬俊鍏鍙稿洟闃熻繕鍦ㄧ粍寤猴紝鍏蜂綋浜у搧榪樺湪寮鍙戱紝鍙浠ユ湡寰呬竴涓嬨

浠涔堟槸娑堣垂閲戣瀺?娑堣垂閲戣瀺鍖呮嫭浠涔?

鎵璋撯滄秷璐歸噾鋙嶁濓紝鍏跺疄灝辨槸鍚戝悇闃跺眰緹や綋鎻愪緵娑堣垂璐鋒劇殑涓縐嶇幇浠i噾鋙嶆湇鍔℃柟寮忋

娑堣垂閲戣瀺鍖呮嫭涓ょ嶆ā寮忥細涓縐嶆槸璧勯噾鎻愪緵鏂圭洿鎺ュ熼挶緇欐秷璐硅咃紝鐒跺悗娑堣垂鑰呰嚜宸變粠娑堣垂鍝佹彁渚涘晢澶勮喘涔板晢鍝侊紝涔嬪悗灝嗛挶榪樼粰璧勯噾鎻愪緵鏂癸紝姣斿傜幇閲戝熻捶錛涘彟涓縐嶅垯鏄娑堣垂鑰呭湪璐涔板晢鍝佹椂鐢辮祫閲戞彁渚涙柟浠f浛娑堣垂鑰呭悜娑堣垂鍝佹彁渚涘晢鏀浠樿祫閲戱紝娑堣垂鑰呬箣鍚庡啀榪橀挶緇欒祫閲戞彁渚涙柟錛屾瘮濡備俊鐢ㄥ崱銆佸垎鏈熶粯嬈劇瓑銆

鏀浠樺疂鍊熷憲鏌ラ摱琛屽緛淇″悧錛

鏀浠樺疂鍊熷憲鏌ラ摱琛屽緛淇★紝濡傛灉鐢ㄦ埛鏈変笉鑹淇$敤琛屼負錛屽湪澶琛屽緛淇$郴緇熶腑鐣欎笅浜嗘薄鐐癸紝閭d箞錛屽緢闅劇敵璇峰埌鍊熷憲棰濆害錛屽傛灉鏄寰佷俊榛戱紝鍩烘湰涓嶅彲鑳界敵璇峰埌鍊熷憲錛岄渶瑕佺瓑2騫寸敋鑷5騫村悗寰佷俊緋葷粺娓呴櫎鏁版嵁鎵嶆湁鏈轟細鐢寵楓

鏀浠樺疂鍊熷憲鏄姝h勭殑璐鋒懼鉤鍙幫紝鏌ュ緛淇′篃涓婂緛淇★紝鎴愬姛鐢寵峰埌鍊熷憲棰濆害鐨勭敤鎴鳳紝涔熻佹敞鎰忔寜鏃惰凍棰濊繕嬈撅紝浠ュ厤緇欒嚜宸辯殑寰佷俊甯︽潵奼$偣銆

鎸夋彮涔版埧瑕佸緛淇″悧

鎸夋彮涔版埧閾惰岃佹煡寰佷俊錛屼笖闇瑕佸弬鑰冨か濡誨弻鏂圭殑寰佷俊鎶ュ憡錛屽彧瑕佷竴鏂瑰瓨鍦ㄤ弗閲嶄笉鑹淇$敤琛屼負錛岄偅涔堬紝鎸夋彮涔版埧浼氳鎷掋傞摱琛屽湪瀹℃牳璐鋒劇敵璇鋒椂姣旇緝涓ヨ皚錛屽挨鍏剁敵璇蜂漢鐨勫緛淇$姸鍐靛瑰℃壒緇撴灉鏈夌潃鐩存帴鐨勫獎鍝嶏紝鑹濂界殑寰佷俊鍙浠ヨ存槸璐鋒劇殑鏁查棬鐮栥

鍙﹀栵紝鎸夋彮涔版埧闄や簡瑕佸緛淇★紝榪樿佺湅鍊熸句漢鐨勭粡嫻庢潯浠訛紝涓嶅叿澶囩浉搴旂殑榪樻捐兘鍔涳紝閾惰屼篃浼氭嫆璐楓

寰佷俊閫炬湡榪樿兘璐鋒懼悧

鏈夐炬湡鐨勪俊鐢ㄨ板綍騫朵笉涓瀹氭剰鍛崇潃浣犱笉鑳界敵璇瘋捶嬈撅紝浣嗕篃鍙栧喅浜庨炬湡鐨勭▼搴︺備竴鑸鎯呭喌涓嬶紝璐鋒鵑摱琛岃佹眰鐨勯炬湡鏈熼檺鏄:鏈榪3涓鏈堜笉鑳芥湁2嬈★紝鏈榪6涓鏈堜笉鑳芥湁3嬈★紝涓騫翠笉鑳芥湁4嬈°2騫村唴榪炵畫6嬈℃垨3嬈¢炬湡鐨勶紝閾惰屽皢鎸変笉鑹淇$敤璁板綍澶勭悊銆傞氬父寰堥毦鑾峰緱閾惰岀殑淇′換錛屽嶮鏈夊叓涔濅細閬鍒版嫆緇濄傚彟澶栵紝濡傛灉浣犻炬湡瓚呰繃90澶╋紝浣犱篃榪涘叆浜嗛摱琛岀殑榛戝悕鍗曪紝浼拌′互鍚庡緢闅懼啀璐鋒俱傞摱琛屽湪璇勪及璐鋒劇敵璇蜂漢鏃訛紝闄や簡璇勪及鐢寵蜂漢鐨勮繕嬈捐兘鍔涘拰璐鋒劇敤閫斿栵紝褰撶劧榪樹細閲嶇偣璇勪及鐢寵蜂漢鐨勪釜浜轟俊鐢ㄣ備絾鏄錛屸滃氬皯嬈¢炬湡涓嶈兘璐鋒鋸濈殑鏍囧噯鏄涓嶅悓鐨勩備竴鑸鏉ヨ達紝濡傛灉榪戝勾鏉ュ緛淇℃姤鍛婁腑鍙嶆槧鐨勬婚炬湡嬈℃暟涓嶈秴榪6嬈★紝涓嶈秴榪3嬈★紝閾惰屽皢璁や負淇$敤璁板綍娌℃湁涓ラ噸闂棰樸

鎷撳睍璧勬枡

1.濡傛灉鐢寵蜂漢娌℃湁璐鋒鵑炬湡璁板綍錛屼笖淇$敤鍗¢炬湡嬈℃暟鍙鏈変竴涓ゆ★紝鍒欎笉浼氫弗閲嶅獎鍝嶄俊鐢ㄨ皟鏌ャ備絾鏄錛屽傛灉淇$敤鍗$洰鍓嶅凡緇忚繃鏈燂紝涔熷氨鏄璇達紝鍦ㄧ敵璇瘋捶嬈炬椂錛屾湁涓寮犱俊鐢ㄥ崱宸茬粡榪囨湡銆傚嵆浣誇互鍓嶄俊鐢ㄥ緢濂斤紝鐜板湪閫炬湡瀵硅捶嬈劇敵璇風殑褰卞搷涔熷緢涓ラ噸錛岃捶嬈鵑氬父鏄寰椾笉鍒扮殑銆備俊鐢ㄥ崱閫炬湡鐨勫悗鏋滄槸:閾惰屼俊鐢ㄥ崱涓蹇冩敹鍙栨粸綰抽噾鍜屽埄鎮:閫炬湡緗氭炬寜鏈浣庤繕嬈鵑噾棰濇湭浠橀儴鍒嗙殑5%璁$畻錛屾渶浣庢敹璐逛負浜烘皯甯10鍏冩垨緹庡厓1鍏

2.鍚屾椂錛岄摱琛屾瘡澶╁規暣寮犺處鍗曟敹鍙5/10000鐨勫埄鎮銆備俊鐢ㄥ獎鍝:閫炬湡涓涓鏈堜互鍐呮寜閫炬湡涓嬈¤$畻銆傚彧瑕侀炬湡錛屽嵆浣垮彧鏈変竴嬈★紝涔熷緢闅懼炲姞閲戦;2.閫炬湡3嬈℃垨緔璁6嬈★紝鏈変笉鑹淇$敤璋冩煡璁板綍錛屼粖鍚庤捶嬈懼拰鐢寵蜂俊鐢ㄥ崱鍥伴毦;濡傛灉閫炬湡閲戦濊秴榪囦竴瀹氱殑閲戦濆拰鏃墮棿錛岄摱琛屽皢鍐葷粨淇$敤鍗°傞炬湡寰佷俊璁板綍浼氬硅捶嬈劇敵璇蜂駭鐢熻礋闈㈠獎鍝嶏紝浣嗚捶嬈懼℃牳鏄鍚︿細澶辮觸騫朵笉紜瀹氾紝榪欏彇鍐充簬閾惰屾垨絎涓夋柟閲戣瀺鏈烘瀯瀵歸炬湡璐鋒劇殑鐩稿叧瑙勫畾銆備竴鑸鏉ヨ達紝濡傛灉寰佷俊璁板綍閫炬湡涓嶈秴榪2嬈★紝閾惰屼粛灝嗛厡鎯呭勭悊璐鋒俱傞炬湡瓚呰繃6嬈℃垨榪炵畫瓚呰繃3嬈$殑錛岄摱琛屼笉浜堟壒鍑嗐

3.浣嗘槸錛屽湪鍚屾牱鐨勯炬湡鎯呭喌涓嬶紝絎涓夋柟閲戣瀺鍊熻捶鏈烘瀯浼氱浉瀵瑰芥澗錛屽洜涓轟笉鍚岀殑鏈烘瀯瀵歸炬湡鐨勫瑰繊搴︿笉鍚屻傜浉瀵瑰芥澗鐨勫¤℃満鏋勶紝鍗充嬌璧勪俊璋冩煡璁板綍閫炬湡錛屼篃涓嶄細褰卞搷鏈烘瀯璐鋒劇殑瀹℃壒銆傚傛灉閫炬湡鏃墮棿澶楂橈紝涓嶈兘婊¤凍浠諱綍閲戣瀺鏈烘瀯鐨勫℃牳瑕佹眰錛屽彲浠ュ湪鐢寵瘋捶嬈炬椂澧炲姞鑷宸辯殑璧勪駭錛屽傛埧鍦頒駭銆佹満鍔ㄨ濺鐗岀収絳夎姱鐗囨潵鎶墊娂錛岃繖鏍峰℃牳閫氳繃鐜囧氨浼氭洿楂樸傛垨鑰呮壘涓涓淇$敤璁板綍濂姐佺粡嫻庡疄鍔涘ソ銆佹湁鍥哄畾璧勪駭鐨勬湅鍙嬫彁渚涙媴淇濓紝榪欎篃鏄璐鋒炬満鏋勭殑鏍囧噯涔嬩竴銆傛諱箣錛屾渶濂界殑淇$敤鐘舵佹槸淇濇寔鑹濂界殑璐鋒捐板綍錛岄伩鍏嶉炬湡榪樻撅紝榪欐洿鏈夊埄浜庝粖鍚庤捶嬈劇敵璇風殑瀹℃壒!

涓浜哄緛淇℃湁閫炬湡鑳借捶嬈懼悧錛

涓銆佸緛淇℃湁閫炬湡鍙浠ヨ捶嬈懼悧寰佷俊璁板綍鏈夐炬湡浼氬圭敵璇瘋捶嬈炬湁涓嶈壇褰卞搷錛屼絾鏄涓嶈佸緱璐鋒懼℃牳涓瀹氶氫笉榪囷紝鍙栧喅浜庨摱琛屾垨絎涓夋柟閲戣瀺鏈烘瀯瀵逛簬閫炬湡鐨勬湁鍏寵勫畾銆備竴鑸鏉ヨ達紝寰佷俊璁板綍鏈変笉瓚呰繃2嬈¢炬湡錛岄摱琛岃繕鏄浼氶厡鎯呭勭悊緇欎簣璐鋒鵑氳繃錛屼絾鏄濡傛灉閫炬湡嬈℃暟緔縐杈6嬈℃垨榪炵畫瓚呰繃3嬈★紝閾惰岀郴緇熶笉瑙佸緱浼氬℃壒閫氳繃銆備絾鏄鍚屾牱鐨勯炬湡鎯呭喌絎涓夋柟閲戣瀺璐鋒炬満鏋勭浉瀵規潵璇翠細姣旇緝瀹芥澗鐐癸紝鍥犱負涓嶅悓鏈烘瀯瀵逛簬閫炬湡鐨勫瑰繊搴︽槸涓嶅悓鐨勩傜浉瀵硅緝瀹芥澗鐨勫℃牳鏈烘瀯錛屽嵆渚垮緛淇¤板綍鏈夐炬湡錛屼篃涓嶅獎鍝嶆満鏋勬斁璐峰℃牳閫氳繃銆傚傛灉閫炬湡嬈℃暟榪囧氳揪涓嶅埌浠諱綍涓瀹墮噾鋙嶆満鏋勭殑瀹℃牳瑕佹眰錛屽彲浠ュ湪鐢寵瘋捶嬈炬椂閫氳繃澧炲姞鑷鏈夎祫浜э紝姣斿傛埧浜с佽濺杈嗚岄┒璇佺瓑澧炲姞絳圭爜榪涜屾姷鎶礆紝榪欐牱瀹℃牳閫氳繃鐜囦篃浼氬ぇ浜涖傚張鎴栬呭繪壘涓浣嶅緛淇¤板綍鑹濂姐佺粡嫻庡疄鍔涘熷ソ銆佹湁鍥哄畾璧勪駭鐨勬湅鍙嬫彁渚涘仛鎷呬繚錛岃繖涔熸槸璐鋒炬満鏋勭殑鑰冮噺鏍囧噯涔嬩竴銆傚緛淇℃湁閫炬湡鍙浠ヨ捶嬈懼悧浜屻佸緛淇℃湁閫炬湡鎬庝箞娑堥櫎涓浜哄緛淇¢炬湡璁板綍鏄涓嶅彲浠ヤ富鍔ㄦ秷闄ょ殑錛屼笉榪囷紝鏍規嵁瑙勫畾錛屽緛淇℃満鏋勫歸噰闆嗙殑涓浜轟笉鑹淇℃伅淇濆瓨鏈熼檺涓嶅緱瓚呰繃5騫達紝涓鑸鏉ヨ達紝涓浜哄緛淇¢炬湡璁板綍5騫翠箣鍚庡氨浼氳鏂扮殑寰佷俊璁板綍瑕嗙洊銆傝佹敞鎰忕殑鏄錛岃繖涓5騫存槸浠庨炬湡嬈犳捐繕娓呬箣鏃ュ紑濮嬭$畻鐨勶紝鑰屼笉鏄鎸囬炬湡璁板綍浜х敓涔嬫棩鍚庣殑5騫淬傚傛灉涓浜哄緛淇℃湁閫炬湡璁板綍錛屼篃涓嶈佸お鐫鎬ワ紝濡傛灉涓嶆槸寰堝氭$殑閫炬湡璁板綍錛屼竴鑸褰卞搷涓嶆槸寰堝ぇ錛岃屼笖閾惰屾瘮杈冪湅閲嶈繎涓ゅ勾鐨勫緛淇★紝鍙瑕佽繎涓ゅ勾娌℃湁閫炬湡榪樻槸鍙浠ョ敵璇瘋捶嬈炬垨鑰呬俊鐢ㄥ崱鐨勩

㈡ 徵信上有逾期以後還能辦理貸款嗎

不一定,一般,銀行會根據逾期還款的次數和原因判斷是否拒絕貸款。銀行會考察以下幾種逾期還款情況。

㈢ 寰佷俊鏈夐炬湡榪樿兘鐢寵瘋捶嬈懼悧

寰佷俊閫炬湡鍑犳′笉鑳借捶嬈

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寰佷俊鏈夎繃閫炬湡鍙浠ヨ捶嬈句拱鎴垮悧錛

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寰佷俊涓婃湁閫炬湡榪樿兘璐鋒句拱鎴垮悧錛

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