1. Find a commercial bank or small loan institution with loose requirements. Some commercial banks and small loan companies have a high debt tolerance, and there is room for lending within 70%. Let's try it.
2. Apply for credit card installment payment. High debt will affect the loan application and loan amount. If large bills are divided into cash installments, the monthly repayment amount will be reduced and the debt ratio will be reduced.
3. Apply for a mortgage loan. Apply with high-quality collateral, and the loan application will be easily approved.
4. Try proprietary loan products. This method is suitable for some users with mortgage loans. Even if you are still repaying the loan and the debt ratio exceeds 50%, you can apply as long as your credit information and monthly income meet the standard.
What are the specific steps?
(1) Find a lending institution with a low threshold.
For example, a normal bank loan requires that the borrower's debt should not exceed 50%, but the requirements of some small lending institutions are relatively low, and some small lending institutions can achieve the debt ratio within 70%.
(2) Providing a guarantor
If your debt is too high, you can consider finding some friends with more assets and less debt as collateral.
(3) Find a reliable intermediary to help.
Many times, if the borrower applies for it himself, the debt ratio is relatively high and it is difficult to pass the loan review. At this time, you may wish to find some reliable loan intermediaries to help you, because loan intermediaries have more resources and can find suitable lending institutions for you, and loan intermediaries are generally familiar with lending institutions, which can improve the pass rate.
(4) Apply for credit card replacement loan.
If the borrower's debt is relatively high, but his credit is good and not overdue, he can try to apply for a credit card or apply to the bank to increase the credit card limit. Generally, as long as the applicant has good credit, it can pass.