Brief introduction: Huige is a financial professional, bachelor of economics, senior financial driver, lecturer and consultant of many financial institutions.
Pay attention to Tik Tok: Take you to the mountains to cut money.
Huige experienced bank loan rejection, credit card downgrade and ban, and debt crisis. Through his professional knowledge, collision with banks, his own experience and practical operation, he summed up a set of practical methods to help more people solve low-interest financing, pay back credit cards and debts!
When the cash flow is insufficient, we will use various financing methods to solve the cash flow problem temporarily, but we will find that there is an upper limit to financing. When you borrow money from a bank, the bank won't give you as much as you want. Under normal circumstances, a person without assets under his name can raise 500,000-800,000 yuan, and a person with assets under his name can raise more than 6,543,800 yuan according to different assets. This is also a person who knows how to raise funds. If you don't know the methods and skills of financing, you may not even get 200,000 yuan, because you don't know what to take first, what to take quickly, what to take slowly, and which bank to choose to start financing. As a result, you want to get 500 thousand, but you can't even get 200 thousand In the end, only online loans were available, which accelerated the arrival of the financial crisis.
Therefore, the problem of limited financing will be encountered by almost everyone who does financing. Let's talk about the solution of limited financing, and how to solve the problem of limited financing and continuous financing.
First of all, we need to know what limits a person's financing space.
First, the debt is too high.
Too much debt will directly lose your financing ability, and the bank will directly ban you and no longer give you credit, so we must grasp this debt problem.
The second is that the total credits are too high.
This is a good phenomenon, because the bank recognizes your good credit, but because of the lack of assets, the bank is worried about the domino effect on you, so it stops giving you higher credit.
The third is personal bad credit.
This mostly refers to the problem of overdue. There is only one way to solve this problem, that is, credit reporting. There are detailed explanations in our course, and friends in need can consult our customer service. But what you need to know is that not all overdue accounts can be eliminated. For example, many banks are intermittently overdue for more than half a year, which is very complicated and difficult to eliminate.
The fourth is the geographical limitation of financing space.
This includes two factors. The first is the reason at the city level. For example, the same white households can only rely on credit cooperatives for financing in rural areas, but ordinary people can't, because there are basically no other banks except credit cooperatives and postal services in rural areas; But in first-tier cities, as long as you are a white household and you can raise money, you can easily get hundreds of thousands in any bank, so the city level will directly determine your financing space.
The second reason is that the region is dark and uncommon. For example, some areas are well-known pyramid schemes, and all regional banks in this area will basically not grant credit. The problem of regional blackness can only be solved by credit transfer. In our other courses, friends in need can consult our customer service. However, this situation is relatively rare, and there are few regions in the country. This is a few reasons for limiting the financing space, among which the more common ones are excessive debt and geographical restrictions, that is, restrictions on urban grades.
Specific solutions, welcome private letter!