First, look for a wide structure. Some commercial banks and small loan companies have a high tolerance for debt, and there is room for lending within 70%. You might as well turn around and give it a try.
Second, handle credit card installment. Negative and loan amount, if large bills are divided into cash installments, the monthly repayment amount will be reduced.
Third, applying for mortgage loan, with high-quality collateral endorsement, the loan application will be very easy to be approved. Hello, there are many platforms available now, and the quota is basically applied by means of 500-3 loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as the information security is guaranteed, you can use it with confidence.
It is recommended to use "money to spend, money to spend", which is a safe, convenient, unsecured and unsecured credit service provided by Xiaoman Finance. If you borrow money, you can go to Xiaoman Financial APP (click on the official test 0.02%), which has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Debit cards and application cards are also your loan bank cards. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. As a personal credit ID card, the function of credit investigation is self-evident. However, many people were exposed to credit information because they didn't pay attention before. How do you want to get a loan now? Let's talk about it briefly.
How to borrow money for credit information difference
First, how to borrow money for poor credit reporting?
1. Credit loan: Poor credit information makes it difficult to apply for a credit loan, but it is not the cause of "messenger". Is it overdue or too many inquiries, or the arrears are too high? It is also promising to keep the credit information for a period of time after finding the original, and then apply for credit.
2. Mortgage loan: as long as the owner's value, ownership and credit information are not very serious, such as bad debts, compensation and "three links", it is still relatively easy to pass.
3. Secured loan: If your credit information is poor, you should find a "reliable" guarantor. Of course, the other party must have excellent credit conditions, otherwise you can't be a guarantor. Using a guarantor to share risks and responsibilities, financial institutions will be relatively reassured and willing to approve funds.
Second, how to improve the credit information difference?
1. Solve the overdue: No matter the current overdue or compensation, as long as it is not solved, this bad record will always be kept, and you can't escape if you want to escape.
2. Reduce debt: High debt with insufficient solvency is very dangerous. You can pay off the small loan first and cancel the unused credit card.
3. Don't arbitrarily authorize: Don't arbitrarily authorize financial institutions to inquire about credit information, otherwise it will be very troublesome to spend.
The above is the introduction of Xi Cai Jun.
Second, with poor credit reporting and high debt, where can I get a loan?
Loans with poor credit information and high debts are: Yin Bei E-point loan, Huaya loan, Doudou money and rich flowers, as follows:
1, Yin Bei e-point loan
Yin Bei e-point loan is a credit product of Yin Bei Consumer Finance Company, and it holds a financial license, so you don't have to worry about the funding problem. The loan amount of Yin Bei E-point loan is 1, 000-50,000, the loan can be used for 3- 12 months, and the lowest daily interest rate is only 0.03%. The whole process is online, and the approval speed is extremely fast.
2. Flower duck borrows money
Huaya can provide users with a loan amount of 300,000-200,000 yuan, and the lowest daily interest rate is one ten thousandth. Users can choose to borrow money directly from Huaya's APP, and they can apply for a loan in 5 minutes at the earliest. Users in Xinjiang are temporarily unable to apply for loans from Huaya.
3. Doudou money
Doudou Money is a small loan product owned by Weixin Technology. The maximum loan amount available to users is 50,000 yuan, and the minimum loan amount is 3,000 yuan. The minimum annual interest rate of Doudou Money is 13%, which is equivalent to the minimum monthly interest rate of 0.65%.
Step 4 have money to spend
Qianhua is a credit product owned by Du Xiaoman. The maximum loan amount that users can apply for is 200,000 yuan, and the longest loan can be repaid in 24 installments. The interest on the money spent is calculated as residual principal × interest rate × actual borrowing days, and the minimum daily interest rate is 0.02%. The actual interest earned by different users will be different.
According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting:
1. Enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.
2. These two types of business are completed by one institution in some countries, and by two or more institutions respectively in some countries, or a country has both institutions engaged in personal credit reporting and institutions engaged in both personal and corporate credit reporting business types, which are generally unrestricted and decided by credit reporting institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:
(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
Third, my credit information is a bit expensive, and there are too many loan applications. Where can I borrow money?
If you are sure that you have clicked on many platforms but haven't borrowed money, it proves that your big data is very expensive, and the credit information still doesn't have much impact, that is, the number of inquiries may be more, and there is no way to make money. Private loans are ok, but nothing else. Don't transfer money to others to do anything for you.
Fourth, what kind of loan can I get if my credit is bad?
That depends on how bad you are. The general bank selection criteria is three or six times in a row within two years, but if you don't know what kind of loan you need to apply for, it will be difficult to get a mortgage loan from the bank. If you have a mortgage loan or can find a loan from a small loan company now, it will be easier to operate, and you need to specify the loan type in detail.