Recently, due to the housing loan problem, the term "Lianzheng" has probably popped up in everyone's mind. Although they have heard of it, have they ever carefully understood what Lianzheng is?
The so-called "linkage" records credit transactions between individuals and financial institutions. The total score can be up to 800 points. Regarding the retention period of various records, please refer to the regulations of the Financial Supervisory Commission for details.
It is mainly compiled and collected by the Joint Financial Credit Reference Center. Through this information, a national credit database is built to ensure that people's credit transactions and the domestic financial system can be sound and stable.
In the past few days, I have seen many people teaching how to check your credit score. If you don’t want to apply for a loan in the near future, you can just search it out to see what your own credit score is, but In fact, it is just like applying for a good citizen certificate, it is meaningless at all.
But if you want to check the recent loan business, don’t be cheap and search it yourself through the Lianzheng Center. Please leave this to the bank you want to apply for, and then ask them for the score. It’s really super important!
This is because records will be retained for 1 year starting from the inquiry date, but the bank can only see the search records of the first 3 months.
If you check more than 3 times within 3 months, it will basically be difficult for you to apply for a loan. If you do apply, the amount will be very small and the interest rate will be high. This is mainly because the 4th time you check in a short period of time will be deducted.
In order to get a loan with a low interest rate, everyone went around to different banks to inquire, but in the end, they searched for it themselves, which was a waste of opportunity! ?
Originally, there were still three banks for you to choose from, but just because of a brain injury, you suddenly lost one bank so you could have more choices. It all sounded disgusting. At this time, I can only say that it's not the person's fault for being cheap!
If you really want to check, check online, don’t check in person!
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