Indebted in current society it is a very common thing, the president cannot avoid even the United States.
Can reflect indebted the directest way to examine an individual to sign a letter namely, a lot of people had heard the individual signs a letter, but did not understand too. In fact, the individual asked for a letter to reflect a lot of problems. Letter of individual ask forring is for instance indebted high issue, a lot of people are in debt not to manage high to letter of individual ask forring solution, letter of individual ask forring is indebted tall meaning, actually very simple, look from literal, we can get the result. The meaning is credit card has money, the loan that perhaps owes is too much.
No matter be,handle card or explain borrow, sign a letter integrated grading it may be said is quite important. If want an individual integrated credence grading is tall, so credit card is indebted rate scarcely can be too tall. Indebted rate can let a bank too high feel your reimbursement pressure is too great, be labelled thereby tall danger crowd.
And the occurrence as all sorts of loan channel, the channel that lends money now becomes easier, so a lot of people did not take care to had borrowed a head, cause be in debt exorbitantly. The friend that has had loan experience should know, be in debt is an assessment element that loan orgnaization values very much, if exorbitant that loan can be rejected probably. Because this often has friend circle to be able to ask, what is credit indebted rate? Is credit is in debt after all what perhaps includes? How to judge be in debt to more or less just calculate exorbitant? Is indebted and exorbitant loan rejected? If be in debt exorbitant how to do what can you just adopt loan to examine and approve?
What is credit is in debt after all?
Credit is actually indebted, no more than asks for the credit card that reflects on the letter and credit namely, mortgage loan is average not as indebted computation inside, assure loan can be calculated inside, credit card is indebted, the forehead that is not your credit card merely certainly is spent or the forehead of credit is spent to you later explain borrow and Shen Ka is influential, your credit card Zhang Shu and loan pen number also are influential, part today from credit card and loan two respects introduce credit to be in debt respectively, everybody should notice together after.
1, credit card
Zhang Shu of ① credit card and forehead are spent
Now nowadays, almost everybody has credit card, some people have a few pieces of credit card even, these credit card are in debt namely, why? Because every pieces of credit card has the forehead to spend, you have a piece of credit card, the forehead is spent is 10 thousand yuan, your be in debt is 1000 yuan, why so Where is regulation? When you think you return credit card, still 10% (lowermost reimbursement) later, do not calculate your exceed the time limit, you understood, if you have N Zhang Xin to use card,say so, amount is spent have 1 million, although you are trashy, your be in debt to also have 100 thousand, want to needed so large specified number to spend really well so.
② credit card forehead spends utilization rate
The habit of everybody use credit card is different, some people, scrupulous, returned immediately with the dot, some people, spend all specified amounts give out to say again, small today make up say the 2nd kind of person, the habit of this kind of person, actually very bad, have a lot of corrupt practice, for instance, easy exceed the time limit, easy refus is borrowed, why, because loan industry has a regulation, credit card utilization rate cannot exceed 80% , of course if you have 9 pieces of credit card, and the forehead is spent in 50 thousand the following, did not affect commonly.
2, loan
Mortgage loan is average not as indebted computation inside, see credit only commonly so, credit specified number is spent and pen number is crucial, if you have very much pen small loan, that meets what be borrowed by refus likely also, why? Because of you for many times explain borrow, show you capital have enough to meet need has a problem recently, true condition is not such certainly, but the wind of financial orgnaization accuses believe in " would rather the fault is killed 1000, cannot let off " principle, so at that time you by Pass; If you have 9 credit only, but every forehead is spent very big, this also is influential, what effect is there? The month that is about to see you at that time is offerred (the amount of every month reimbursement) the income with you (the salary that play card, social security, accumulation fund, bonus) , whether are they balanced, citing, you every month in and month out offers 10 thousand yuan, your income is 20 thousand yuan, that affirmation is can successful batch those who borrow, but your income is 1000 yuan 7, income is less than a month to offer, into not apply went out, affirmation of that finance orgnaization won't be approved to you borrowed, because worry,you still can not rise. General financial orgnaization can have formula of a computation: Income X coefficient > the month is offerred, this coefficient every orgnaization is different, have a plenty of 1, have a plenty of 2, have a plenty of 5.
3, the net is borrowed
Why should borrow the net take alone say, because it is more special, the net is borrowed also is burgeoning credit, some orgnaizations still are not very approbate, but having a few average citizens is truly very approbate, is this why? Because of it convenient quality, never leave home to be able to lend a money, only drawback is accrual a bit taller, why is financial orgnaization approbated? It is it it is new come out, its stability is insufficient, 2 it is accrual tall, can accept the person of high interest, the specification may be put in the problem, so your ask for a letter to if too much net is borrowed,go up, can going to a bank waiting for an orgnaization explain when borrowing, encounter trifling trouble, but, believe to be in before long in the future, the net is borrowed won't be a problem again.
What is credit indebted rate?
The formula of indebted rate computation that the bank inquires is:
All and indebted (include credit card and loan) / (income * base)
The indebted rate of credit card is to press commonly: Of credit card already spent with the forehead / usable forehead is spent will calculate.
How is judgement indebted exorbitant?
Generally speaking, indebted rate exceeds the individual 50% , loan orgnaization can think your risk is very big. Exceed 70% , cannot apply for loan basically.
Lift a chestnut:
Room of hypothesis Mr Zhao borrows a month to offer 8000 yuan, zhang of credit card month is odd 7000 yuan, income of his every monthly wages 24000 yuan, indebted rate is corresponding individual P=(8000+7000)/24000*100%=62.5% .
The indebted rate of very apparent Mr Zhao is higher, a lot of from bank or small borrow a company to borrow money. Some banks are taller to indebted requirement, the indebted rate of requirement applicant does not exceed 30% , borrow with respect to meeting refus otherwise.
? Reduce a few kinds of of indebted rate clever methods, save you sign a letter indebted rate!
1, clear credit card of under one's name
There are many credit cards on a lot of hand, but card is too much,not be meddlesome, because ask for every trait that the meeting on letter report shows to you are in a bank to be in debt, specific to each pieces of credit card should reimbursement amount.
Show on the report that sign a letter indebted and too much, the reimbursement ability that silver-colored guild doubts you and reject to approve check.
So if you have a lot of credit card not commonly used, briefly suggests you still cancel a few not commonly used pieces that.
2, in installment reimbursement
Apply for when you in installment later, the indication on the report that sign a letter differred, true and indebted be concealed. The period number of cent is more, conceal more greatly. So, if odd Zhang Xin uses debt blocking card too much, can apply for ahead of schedule in installment, your report that sign a letter is indebted so won't much.
3, refuse before business explain borrow, Shen Ka
Want to apply for bank room to borrow for instance, should not apply for again inside half an year at least so credit card or the net is borrowed, even if just be nodded,see usable forehead spend, keep inquiry record likely, once " asked for a letter to spend " , perhaps borrow money overmuch, so probable meeting is borrowed by refus.
4, shift to an earlier date reimbursement
This kind of method applies to at hand to be able to bring the friend of partial cash into play. What show in individual credit report is " bogus is indebted " , it is recently the Zhang of a month is odd should reimbursement.
If your at hand has a few ready money, can return money ahead of schedule before enter an item of expenditure in the accounts of Zhang odd-numbered days, inside such your letter newspapers " indebted " the level is met very low.
5, adjust application order law
Some friends lack cash, think of to file a batch of credit card again immediately, just can think of a net to borrow next. This is not best countermeasure actually. Say a focal point directly, the net is borrowed at present some do not go up the report that sign a letter, letter report is signed on credit card.
But you are changed kind play a way, you apply for a net to borrow first, solved your part problem, your report that sign a letter did not produce change however; At this moment if you still lack cash, you can file credit card again.
6, check credit report every year
Credit report can ask for letter center through Central Bank individual online self-help inquiry. Suggest everybody checks his credit every year, understand individual credit.
7, much money is planted card changes to be planted into weak currency card
Much money is planted card can be on your report that sign a letter show many account, if you have many pieces of many money to plant on the hand now,get stuck, often do not go abroad again consumption, can change this calorie weak currency to plant card, reduce oneself account amount, lower indebted rate.
Usually, indebted and exorbitant examine and approve harder through loan, so we had better be in debt the individual rate control 30%~50% . Must somewhat abstemious, reasonable consumption, can examine and approve smoothly through loan already so, also won't affect normal life.
