If the debt is not paid off, but it is not recorded in the credit report, the amount owed is not high, and the mortgage loan will not be affected at this time. Under the premise that the IOUs have not been paid off, they are overdue recently and have been recorded in the credit report. If the bank finds that overdue records have been added to the credit report, it will affect mortgage lending.

For users, the unpaid IOUs themselves will not affect the mortgage, but the overdue records in the credit information will affect the mortgage.

White note refers to a fraudulent means by which the actor issues or asks for invoices and receipts and payment vouchers that do not meet the requirements of formal vouchers to avoid supervision or tax evasion. Do not use invoices according to the specified purposes of invoices, such as retail and wholesale commercial invoices instead of catering invoices.

A white note, written on white paper in the name of an individual or unit, is used to prove the receipt and payment of money or the receipt and delivery of goods, and serves as an invoice to serve as the original voucher.

Replace invoices with receipts.

This method is often used to evade taxes. Some individual and private owners only issue receipts to prove the occurrence of such economic business when facing consumers as individuals, instead of issuing invoices, so as to avoid tax evasion due to inspection by tax authorities.

Do not use invoices according to the specified purposes, such as retail and wholesale commercial invoices instead of catering invoices.

Failing to issue invoices according to the provisions of invoices.

Such as: no special financial seal, no signature of relevant personnel, etc.

In today's economic life, there are many cases of reimbursement with "white stripes". Some units purchase goods and pay labor fees without obtaining official invoices, but enter them in receipts or handwritten white bars; Some units and individuals borrow cash or bank deposits from the unit through some excuses, but for various reasons, the money has been spent, but there is no official invoice. In order to make up for the shortage of cash or bank deposits, most of them use "white notes" that do not meet the requirements of the financial system (for example, the business manager writes a note, and some even make an explanation without signing it), and the authenticity and legality of the "white notes" are not strictly checked.

The Alipay page has a function called "Hua Bai", which is similar to credit card products. Consumers can buy products through flower buds and repay them next month.

Whether it's JD COM or Ali's flowers, there are two main differences with credit cards. First, credit cards need strict qualification examination and credit consumption is based on big data. On the other hand, the scope of use is different.

Will JD.COM's overdue IOUs affect the mortgage?

JD.COM Baitiao is the first Internet consumer finance product in the industry. There is no grace period for IOUs in JD.COM, and one day overdue will affect the credit investigation. After affecting the credit information, it will affect the purchase loan. It should be noted that if it is overdue for no reason, such as forgetting, after one day overdue, you can call JD.COM Baitiao customer service to explain that the overdue behavior is unintentional and apply for exemption from overdue records.

First, the consequences of not repaying JD.COM's IOUs;

1, resulting in late fees.

There will be an overdue fee for blank paper. If the repayment is not made in full on the final repayment date, JD Finance will charge a service fee at the daily interest rate of 0.05%. In addition, if the minimum amount is not paid, a penalty of 0.0 15% will be charged every day in addition to the service fee.

2, affect personal credit

Since JD.COM IOUs have been connected to the central bank's credit information system, if IOUs do not repay, the overdue debt records will be reported to the central bank for credit information. At that time, your personal credit report will have a bad credit record and your personal credit will be affected. And white stripes will also affect your white stripe credit.

3, affect the use of white bars

If you don't return the white bill, the system will probably lower your white bill limit to avoid risks, and may even stop the white bill account. And you may never be able to use white bars properly again.

4. Collectibles

After the white form is overdue, you may receive text messages, phone calls, letters, door-to-door collection, and even be sued.

Second, the JD.COM White Paper is an Internet consumer finance product launched by JD.COM. Customers can use white paper to "spend first and then repay". Users can enjoy up to 30 days' deferred payment or up to 24 installments.

"Pay first", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial app Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white paper" on mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the credit business of consumer finance business does not need manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" is acceptable. Short-term overdue of IOUs will not have much impact on the account. As long as we return the IOUs in time, we can restore the account to normal without affecting the use of IOUs. If it is not repaid for a long time, you will receive a repayment reminder from the platform. If it is not returned in time later, accounts and individuals will begin to be affected.

Does the unpaid debt affect the mortgage?

The overdue IOU will not affect the loan, but the overdue IOU will affect the loan.

Does JD.COM White Strip Affect Mortgage?

White stripes will affect the credit report.

White stripes have been fully connected to the credit information system, so the use of white stripes will affect credit information. However, the impact is divided into two aspects. If each installment is repaid on time, it will help to maintain personal credit information and have a positive impact on personal credit information. Overdue repayment will adversely affect personal credit information, and it will be more difficult to apply for mortgage, car loan and credit card in the future.

JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand. Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry. JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users. "White Strip" has also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

The service scene of JD.COM Baitiao has been gradually extended, and it has cooperated with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment. In addition to providing convenience for users to pay by installments at will, Baitiao launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting various beautiful and interesting life gadgets for users, and establishing a healthy and quality life attitude with young people.