In real life, some friends have never applied for loans and credit cards, so they have become white-handed. In the era when credit information is very important, how can a white household with credit information get a loan? I'm here to introduce the relevant content, hoping to help you solve the problem.
There are two ways for credit reporting households to handle loans, one is to handle outlets, and the other is to handle mortgage loans. The network is convenient and easy to handle. You can basically get a loan on the same day, but the loan interest is high. The mortgage loan processing process is complicated, and the loan can be obtained in about 2 weeks, but the loan interest is relatively low. Because not all network platforms can give loans to white households, here are some loan platforms for white households.
China Bank Consumer Wallet
China Post Consumer Wallet is a platform that has just been launched, including products such as Mail You Loan, Mail You Flower and China Post Bao, with a maximum amount of 50,000 yuan. Applicants need to be between 20 and 60 years old and have a stable job and income. The review speed mainly depends on the applicant's personal data and return visit.
Zhilian long-term loan
If the White House has sesame seeds, it is easy to apply for the Internet. Good loan is an online loan platform that only looks at sesame seeds, with a maximum amount of 200,000. Applicants are required to be between 23 and 60 years old and have a stable source of income.
Anyihua
Anyihua is a powerful online lending platform, and white door loan users can easily borrow money. The platform can provide loans between 1000-50000, which can be withdrawn, phased and consumed. After grabbing the quota, you can submit the loan application and complete the approval and lending in three minutes.
Can I get a loan if my personal credit information is blank?
Credit investigation is the content that directly reflects the borrower's credit situation, and it is also an important factor that affects whether financial institutions lend. Someone asked if you can get a loan if you have a blank credit. Today, I will answer your question.
In fact, the blank of personal credit information is what we usually call credit white households. So, can white borrowers get loans? The answer is, of course, yes.
Although generally speaking, when a borrower applies for a loan, the lending institution will require the borrower to have a good personal credit record. Then, if the borrower has never had a credit card use record or a loan handling record, he has no personal credit record, which is the so-called blank personal credit record.
The credit report of such a person who has never applied for any loan or used any bank credit card is blank, and there is nothing except personal basic information. So is it easy for a person with such a blank credit record to apply for a loan? It can only be said that people with blank credit records may apply for loans, but they are not the most favored customer groups of lending institutions.
Lending institutions, like customers with good credit records, apply for loans for many times or have been using credit cards normally, without loans overdue or overdue credit cards, belong to groups with good credit records. People with blank credit records apply for loans only better than those with bad credit records, and will not be directly rejected by lending institutions.
What needs to be informed is that some loan platforms don't look at users' credit information. If your third-party credit is good, you can successfully apply for a loan. For example, Alipay's loan, Xiaomi's Xiaomi loan and so on are all loans of this type.
In addition, you can also apply for a credit card, keep the record of repayment on time, and the credit is not blank. It is also very simple to bid farewell to the blank of personal credit information, but it must be noted that it is very troublesome to repay on time and not overdue, otherwise it will become a credit loan user.
Can a white household with a personal credit report get a loan?
Hello, dear, I'm glad to answer this question for you.
White households can get loans. White households refer to users who have never handled credit business in the bank or any financial business such as loans in the credit report, and the personal credit report shows blank.
Generally speaking, financial institutions such as Baijia Loan Bank may examine the applicant's economic ability, job stability and other conditions more strictly because they are unable to inquire about the applicant's personal credit information. Baijia loan has no advantage.
Legal basis: Article 36 of the Commercial Bank Law.
When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
I hope this answer can help you.
Can white households with credit information borrow online?
The application threshold of most online loan products is relatively low, and the personal credit requirements of borrowers are not high. As long as the borrower can provide his ID card and mobile phone number, he can successfully apply. For this kind of online loan products, even if the borrower is a white household, you can apply for this kind of online loan normally.
However, there are also some online loan products with relatively high application thresholds. When these loans are reviewed, they will inquire about the credit information of borrowers such as Sesame Credit and Online Loan Big Data. For white-collar credit users who have no credit information, it will be more difficult to apply for this kind of online loan, because the lender can't judge the credit status of the borrower according to the credit record.
In order to improve the success rate of loan application, it is best for borrowers to provide collateral or show their repayment ability. This can improve the borrower's evaluation results and make it easier to pass the loan review.
In the final analysis, as long as a person's qualifications are good enough, it is relatively easy for him to get a loan, whether he applies for an online loan or a loan in a bank.
For small white households with credit information, even if they don't need financing, they can apply for a credit card in advance for consumption. As long as cardholders can spend rationally and repay on time, they can accumulate a good credit record for themselves and apply for loans conveniently.
This concludes the introduction of loans for white credit reporting households and which loans can be applied for. I wonder if you found the information you need from it?