网贷频繁申请会影响银行贷款审批吗关键因素解析
哎我说，最近是不是手头紧啊？刷手机的时候，是不是总能看到各种“秒到账”、“0门槛”的网贷广告？心痒痒想点一下试试？打住！先别急着冲动！ 你心里肯定犯嘀咕了：我这随手借点网贷花花，以后想找银行办个正经贷款，比如买房买车贷，会不会被拒之门外啊？ 是不是就像偷偷干了点“坏事”，会被银行这个“大家长”揪住小辫子？今天咱就掰开揉碎了聊聊这个事儿，保管给你整得明明白白！
第一问：网贷记录，银行看得见吗？它真不是“小秘密”？
答案是：看得见！清清楚楚！
朋友，你可千万别天真地以为网贷是你和App之间“偷偷摸摸”的小交易。现在啥时代了？大数据时代啊！只要你用了正规机构的网贷，并且这个机构是接入了咱们国家人民银行征信中心的信用报告系统的——那你这笔贷款，铁定会记录在你的个人征信报告上！
征信报告是啥？ 简单说，它就是你在金融圈的“个人简历”加“成绩单”。银行审批贷款，十有八九要拉出来瞅瞅这份报告。上面清清楚楚写着：
- 你借了谁的钱？
- 借了多少？
- 按时还了没？还了几期？
- 是不是还在还？
所以，网贷在征信报告上“留痕”，银行审批员一打眼就能瞅见，根本藏不住！ 这点心里得有数。
第二问：既然看见了，银行会怎么想？网贷是“加分项”还是“减分项”？
这问题啊，咱不能一刀切！银行也不是铁板一块，它看你征信报告的视角，老复杂了。关键看你怎么用这个网贷！
负面看待？小心这些“雷区”！
- 逾期！逾期！还是逾期！
这可是银行最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最极最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最极最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最极最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最最
