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任何_blank class=infotextkey>get=_blank class=infotextkey>银行都_blank class=infotextkey>get=_blank class=infotextkey>可以查看_blank class=infotextkey>get=_blank class=infotextkey>“征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>”。
以前，_blank class=infotextkey>央行征_blank class=infotextkey>get=_blank class=infotextkey>信只看_blank class=infotextkey>get=_blank class=infotextkey>你在_blank class=infotextkey>get=_blank class=infotextkey>银行的_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>记录，但是_blank class=infotextkey>get=_blank class=infotextkey>如_blank class=infotextkey>get=_blank class=infotextkey>今_blank class=infotextkey>不_blank class=infotextkey>一样了，_blank class=infotextkey>get=_blank class=infotextkey>现在BAT的_blank class=infotextkey>get=_blank class=infotextkey>业务，比如_blank class=infotextkey>get=_blank class=infotextkey>腾讯微粒贷、_blank class=infotextkey>支付宝借呗、苏宁_blank class=infotextkey>任性付等，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>有几类，也被_blank class=infotextkey>收到央妈征_blank class=infotextkey>get=_blank class=infotextkey>信的_blank class=infotextkey>get=_blank class=infotextkey>版图里。
蚂蚁花呗、京_blank class=infotextkey>get=_blank class=infotextkey>东白条_blank class=infotextkey>get=_blank class=infotextkey>目前还_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>上征_blank class=infotextkey>get=_blank class=infotextkey>信，_blank class=infotextkey>不过在_blank class=infotextkey>get=_blank class=infotextkey>互_blank class=infotextkey>get=_blank class=infotextkey>联网圈里也_blank class=infotextkey>get=_blank class=infotextkey>是_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>你的借贷_blank class=infotextkey>get=_blank class=infotextkey>记录，所以，请_blank class=infotextkey>get=_blank class=infotextkey>谨慎。
另外，_blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>双方征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>记录是捆绑状态。_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>不过关，另_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>人也_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>不过关。
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征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息，_blank class=infotextkey>get=_blank class=infotextkey>一个是逾期_blank class=infotextkey>get=_blank class=infotextkey>记录（_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用卡、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款、车贷、_blank class=infotextkey>get=_blank class=infotextkey>消费贷等），另_blank class=infotextkey>get=_blank class=infotextkey>一个是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录。逾期次数_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>连续三次_blank class=infotextkey>get=_blank class=infotextkey>累计六次，_blank class=infotextkey>get=_blank class=infotextkey>银行直接拒贷。
征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>保留_blank class=infotextkey>get=_blank class=infotextkey>5年，这_blank class=infotextkey>get=_blank class=infotextkey>5年的_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>可以看到，但_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>自己查只能看到_blank class=infotextkey>近两_blank class=infotextkey>年的，这就很_blank class=infotextkey>get=_blank class=infotextkey>bu_blank class=infotextkey>g，所以对于个_blank class=infotextkey>get=_blank class=infotextkey>人，_blank class=infotextkey>get=_blank class=infotextkey>没必要查，查也_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>全。
另外，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>查询更准确。
_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>你曾经_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款，征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>体现。但_blank class=infotextkey>如果是_blank class=infotextkey>get=_blank class=infotextkey>银行查，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>会去_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心核实_blank class=infotextkey>get=_blank class=infotextkey>你的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>情况。
以_blank class=infotextkey>get=_blank class=infotextkey>北京为例：
就_blank class=infotextkey>get=_blank class=infotextkey>目前的_blank class=infotextkey>get=_blank class=infotextkey>情况看，_blank class=infotextkey>如果是外_blank class=infotextkey>get=_blank class=infotextkey>地的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>get=_blank class=infotextkey>银行可能查_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不到。所以，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款认_blank class=infotextkey>定首二套，认的是_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>北京_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>get=_blank class=infotextkey>下的_blank class=infotextkey>get=_blank class=infotextkey>房+_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国范围_blank class=infotextkey>get=_blank class=infotextkey>内的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>”。假设_blank class=infotextkey>get=_blank class=infotextkey>北京无_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下，若外_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>商贷_blank class=infotextkey>get=_blank class=infotextkey>记录（_blank class=infotextkey>不管是否结_blank class=infotextkey>get=_blank class=infotextkey>清）算二套，若_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，查到就算二套，查_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不到算_blank class=infotextkey>get=_blank class=infotextkey>首套。
对于及各种花钱_blank class=infotextkey>get=_blank class=infotextkey>大手_blank class=infotextkey>get=_blank class=infotextkey>大脚的_blank class=infotextkey>get=_blank class=infotextkey>小伙伴们，_blank class=infotextkey>get=_blank class=infotextkey>商务_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公寓，_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>你们_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>近期_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>需求，给_blank class=infotextkey>get=_blank class=infotextkey>你支招：
1、_blank class=infotextkey>get=_blank class=infotextkey>慎_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>那些_blank class=infotextkey>get=_blank class=infotextkey>会被_blank class=infotextkey>get=_blank class=infotextkey>记录在案的网贷，比如_blank class=infotextkey>get=_blank class=infotextkey>腾讯微粒贷、_blank class=infotextkey>支付宝借呗、苏宁_blank class=infotextkey>任性付。
因为_blank class=infotextkey>get=_blank class=infotextkey>这些_blank class=infotextkey>get=_blank class=infotextkey>平台在放贷_blank class=infotextkey>get=_blank class=infotextkey>之前都_blank class=infotextkey>get=_blank class=infotextkey>会搂一遍_blank class=infotextkey>get=_blank class=infotextkey>你的征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>记录，留_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>查询痕迹，查_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多了_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>显得_blank class=infotextkey>get=_blank class=infotextkey>你很缺钱，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>会怀疑_blank class=infotextkey>get=_blank class=infotextkey>你很缺钱。
_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>信贷员甚至说，_blank class=infotextkey>get=_blank class=infotextkey>一般来讲，_blank class=infotextkey>get=_blank class=infotextkey>一个月内被查征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>3次以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>你想_blank class=infotextkey>get=_blank class=infotextkey>贷款就_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有点难了，_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>10次以_blank class=infotextkey>get=_blank class=infotextkey>上基本_blank class=infotextkey>get=_blank class=infotextkey>你就废了。
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>贷款用途要_blank class=infotextkey>get=_blank class=infotextkey>注意填写，尽量_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>旅_blank class=infotextkey>get=_blank class=infotextkey>游、_blank class=infotextkey>get=_blank class=infotextkey>教育、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>装_blank class=infotextkey>get=_blank class=infotextkey>修等。别总填写_blank class=infotextkey>get=_blank class=infotextkey>“日_blank class=infotextkey>get=_blank class=infotextkey>常_blank class=infotextkey>get=_blank class=infotextkey>消费_blank class=infotextkey>get=_blank class=infotextkey>”这四个字，这样_blank class=infotextkey>get=_blank class=infotextkey>会被认_blank class=infotextkey>定为_blank class=infotextkey>get=_blank class=infotextkey>财务状况_blank class=infotextkey>不佳。
_blank class=infotextkey>3、替_blank class=infotextkey>get=_blank class=infotextkey>代_blank class=infotextkey>get=_blank class=infotextkey>方案：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用卡_blank class=infotextkey>get=_blank class=infotextkey>现_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>分期、_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>消费贷_blank class=infotextkey>不过要_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>其实并_blank class=infotextkey>不低。
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1、外_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>记录，央_blank class=infotextkey>get=_blank class=infotextkey>行的个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>显示吗？
_blank class=infotextkey>get=_blank class=infotextkey>会的，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>get=_blank class=infotextkey>联网，确认无疑。
_blank class=infotextkey>get=_blank class=infotextkey>2、 _blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，两个_blank class=infotextkey>get=_blank class=infotextkey>人都算_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录吗？
非主贷_blank class=infotextkey>get=_blank class=infotextkey>人在央_blank class=infotextkey>get=_blank class=infotextkey>行的个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录。
_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>消费贷_blank class=infotextkey>get=_blank class=infotextkey>记录对_blank class=infotextkey>get=_blank class=infotextkey>房贷认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>影响吗？
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