Beibei Pin 丨 Affects everyone! You need to know the "second generation credit" things

Sanxiang Metropolis Daily all-media reporter Liu Pinbei intern Liu Yifan

Because of the new regulations issued by the "central mother", from January 1, 2022, our generation of credit has been updated to the second generation of credit. Some people comment that this is the most stringent upgrade in history, what is the difference between the second generation of credit and the first generation of credit? What impact does it have on our lives? After watching this video, you will know.

The first is that the first generation credit report only shows the repayment record of the past two years, but the repayment record of the past five years will be displayed in the second generation credit report. This also means that bad information such as overdue and bad debts will be kept more detailed and durable. Then there is your education, employment, residential address, all the mobile phone numbers under your personal name and even your spouse's information will be collected. In other words, if you change your mobile phone number frequently, it is likely to affect your loan approval in the future!

Secondly, in the future, the joint borrowing of husband and wife is no longer only the debt of the main lender, but the husband and wife are jointly acting as borrowers, and the debt will be reflected in the credit report of both parties. The road of fake divorce and real house buying is probably not feasible in the future.

There is also a second-generation credit in the installment loan will also be recorded in more detail. In the generation report, large installment loans similar to parking space loans and renovation loans only reflect the name of the credit card, not the specific amount. In the second-generation report, the instalment date and amount will be indicated, which helps the loan review agency to understand the borrower's borrowing situation and reduces the possibility of bad debts of the financial institution. In addition to lending information, the update also includes telecommunications, water business payments, tax arrears, civil rulings, enforcement and other information. At the same time, the update of credit information will be more timely, and the information on the same day can be updated the next day, which means that more and more personal information and personal consumption habits will be used as the basis for personal credit assessment.

"A nation cannot be reached without faith, and a man cannot stand without faith." Here Babe would like to remind everyone not to wait until the credit system is stained to realize the importance of personal credit, and hopes that each of us's "second ID card" can be bright and pure.