Credit loans are very common, because there is no need for collateral, so many people think of credit loans for the first time.
Credit loan is a way to rely on personal integrity and credit. Nowadays, many young people use credit loans to solve their personal financial pressure. The threshold for credit loans is relatively low, so everyone will find it easier to handle.
Myth 1: the threshold of credit loan is low ≠ no threshold.
Compared with mortgage loan, the threshold of credit loan is relatively low. Under normal circumstances, when we apply for a credit loan, the lending institution will review our credit records, such as credit investigation and sesame credit. Secondly, the work industry, occupation and income level will have a great impact on the evaluation of credit loans. In addition, the state also stipulates that in principle, no credit loans will be granted to minors (18 years old or younger). For some elderly people (over 55 years old), many lending institutions also tend not to issue credit loans. If these conditions are met, the borrower can get a loan.
Myth 2: Credit loan interest rate equals bank loan interest rate.
Credit loans are loans issued by lending institutions without collateral, and the risks borne by institutions are relatively high. The mortgage is different, because there is collateral as collateral. If the borrower fails to repay the principal and interest on time, the bank also has the right to dispose of the collateral according to law. Therefore, under normal circumstances, the interest on credit loans will be higher than that on mortgage loans. If the borrower's credit status is good, the interest rate of some loans will be lower.
Myth 3: White families with credit information are more likely to get successful loans.
As the name implies, there is no financial behavior in the credit report, but this does not mean that your credit is good. Banks cannot evaluate your repayment ability and credit situation through the credit report, so the credit report is a deduction for credit loans.
Myth 4: Credit loan ≠ ID card loan.
Credit loans usually only need to upload an ID card, and there is no need to provide any complicated qualification information, but it does not mean that loans can be made with an ID card. After all, lending institutions should not only look at their ID cards, but also examine the lender's credit information, marriage, income and other aspects. If there is any deficiency in any aspect, the comprehensive score will be reduced and the loan may be refused.
Myth 4: Only bad credit will affect loan approval.
If you want to get a bank loan, you must pass the credit barrier, which is a well-known secret. However, what you may not know is that when the bank inquires about the credit report, it pays attention not only to your repayment record, but also to the number of times your credit report has been inquired in a short time.
Specifically, if your credit report has been inquire many times recently, that bank will suspect that you have apply for credit business from many banks, and considering that the borrower's debt burden is too heavy and the repayment ability is insufficient, the bank is likely to turn you away. For example, many banks have made regulations on this. If the borrower's credit report has been inquired four times or more recently, it will be difficult to obtain a loan successfully.
To sum up, the "pit" of credit loans is everywhere, so we must choose the right platform, the right bank and the right institution!
Second, how to borrow personal credit loans
Generally speaking, to apply for personal bank credit loans, you need to meet the basic conditions for applying for bank credit loans and certain access items before you can handle them.
First, the basic application conditions for personal credit loans
1, a registered resident of Chinese mainland, aged 22-55, who can borrow from a personal bank until he is 60 years old and has full capacity for civil conduct.
2. Income can cover repayment and has repayment ability.
3. Good credit information, good big data and not too many queries.
4. No negative information such as criminal cases and bad records.
5. It is not a high-risk occupation, nor is it an occupation prohibited by banks.
6. The purpose of the loan is reasonable and compliant, and the loan can be provided after the loan.
2. Personal credit loan access items: (only one item can be met)
1, salary admission: working for more than one year, salary above 5000, social security.
2. Admission to the provident fund base: after working for one year, the provident fund base is more than 700.
3. Monthly payment access: the monthly payment has been paid for more than half a year, and the monthly payment is more than 2,000 yuan.
4. Obtain a life insurance policy: complete three life insurance policies within two years, with an annual payment of more than 2,400, and the applicant is himself.
5. Obtaining the value of real estate: there is a local house liquidation, and the real estate has a certain transaction value, and it has been held for a certain period of time, with no more than three property owners.
6. Owner access: If you have a car under your name, you can provide a driving license. The car is my own car, worth more than 80 thousand.
7. Enterprise flow access: Business owners or self-employed individuals have a certain income flow, and the demand for interest settlement in one year is generally greater than that in 28 yuan.
8. Access to tobacco business license: Individual industrial and commercial households engaged in tobacco business can apply for credit loans if they hold tobacco monopoly licenses.
9. Access to enterprise invoicing: If there are multiple enterprises invoicing, the business owners or shareholders can apply for invoicing loans in their own names.
Rui Xin Zhu Dai
3. How old do I have to be to get a loan? How can I get a loan?
How old do I have to be to get a loan? How can I get a loan?
As long as China citizens with criminal responsibility are over 18 years old, they can get loans.
How do individuals borrow money?
When you apply for a loan from a bank, you need to make your situation meet the requirements of the bank, so that you can apply for a successful loan.
1. The loan procedure depends on the specific loan type. For general mortgage loans, the most basic materials needed include: borrower's ID card, household registration book, marital status information, proof of work income and other proof of repayment ability, and proof of collateral ownership (real estate license). At present, the personal loan products and services provided by banks have certain homogeneity, and the difference is not great.
2. Loan type.
1. business start-up loan: business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, and has applied for capital requirements for starting or re-starting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability. The term of venture loan is generally 1 year, and the longest is no more than 3 years.
2. Mortgage loan: Mortgage loan refers to a loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law. At present, banks mainly carry out mortgage loans for houses and cars. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. At present, automobile mortgage loans generally do not exceed 80% of the purchase price, and the loan period does not exceed 5 years. For housing mortgage loan, the loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased, and the longest loan period does not exceed 10 year.
At present, banks have set up personal loans pledged by credit resources such as certificates of deposit, treasury bills, insurance policies and personal credit. At present, certificates of deposit and treasury bills are common pledges. The starting point of the certificate of deposit is generally 5,000 yuan, and each loan does not exceed 80% of the pledged denomination. You can get a loan at the bank outlet on the same day. The starting point of national debt is 5,000 yuan, and each loan does not exceed 90% of the denomination of pledged national debt; The longest loan period generally does not exceed the maturity date of certificate-based government bonds. If multiple certificate-based government bonds with different maturities are used as collateral, the loan term shall be determined based on the one closest to the maturity date. The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time. In addition, if you get the written consent of your relatives and friends and show your valid identity documents, you can also use the voucher-type national debt of your relatives and friends.
4. Secured loan: If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions only by looking for one or two colleagues to guarantee, and all kinds of materials can be approved on the same day and venture capital can be obtained quickly.
5. Personal small amount: individuals are concerned about mortgage loans and secured loans, because under normal circumstances, when a bank issues loans, it requires the applicant to provide a property recognized by the bank as collateral and require the applicant to hold all the ownership of the property. Because generally speaking, the risk of banks is very high, and few banks use simple procedures to do it. Even if there is, it requires a deposit in this bank, and the payment amount is very low.