By borrowing, a growing number of people are choosing to use their own ad hoc working capital when funding is scarce, as a personal consumer borrowing service introduced to pay for treasures. But in the process of use, a common question is: will the use of borrowing leave a footprint in the personal letter

Does borrowing mean it's on the letter

The answer is yes. Any borrowing through the Platform will be registered in your personal letter. However, as long as you do not have any overdue or irregularity, the use of borrowing will not have a negative impact on your letters of inquiry. But if, unfortunately, there are bad records, such as overdues, then your letters and sesame credits will get hurt。

Another thing that needs to be noted is that even if you have paid off your borrowing, it could have an impact on your future application for a mortgage. Because borrowing is directly linked to the letter system, and the nature of your microcredit means that your lending is recorded in the letter. For banks, this may be interpreted as an unstable financial situation. As a result, they may choose to reduce the assessment of your ability to repay in order to reduce the risk。