来源:股城网 | 2021-11-08 10:07:57 |
在遇到资金问题的时候,一些朋友会选择存单质押的方式向银行贷款来解决资金需求。当然,在申贷前总要了解一下相关的情况。那么,存单质押贷款查征信吗?下文小编就给大家简单的介绍一下吧。
一般来说,存单质押贷款都是向银行申请,在银行申请贷款自然是会查征信的。所以,在银行申请存单质押贷款是一定会查征信的。如果申请人在在两年内连续3次或累计6次出现了信用逾期的情况,那么很可能直接拒绝。
存单质押贷款的贷款期限最长不超过一年或存单的到期日,而且存单质押贷款额度起点一般为5000元,每笔贷款不超过存单质押价值的90%,最高可达质押价值的95%。注意:银行贷款不要逾期还款,否则将会非常麻烦。
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