This is a problem that many people who have no house or car will encounter when they want to borrow money. Many people, as "three no owners",

They all have the same question: Can they apply for a loan? What loans can I apply for?

For this kind of people, you can actually consider some platforms that are easy to borrow. Let's introduce it in detail below!

Nowadays, with the popularization of the concept of advanced consumption, banks, small loan companies or many other lending institutions have launched differentiated unsecured loan products in order to meet the consumer demand of borrowers.

Generally speaking, the borrower does not need to provide any effective collateral, but needs the borrower to have good credit and stable income as the guarantee of repayment, in order to lend smoothly. Compared with people with good credit records, they can choose to apply for small loans.

Generally speaking, banks have higher requirements for borrowers' credit status and income level. People who have used bank loans or credit cards are overdue for more than 6 times in two years or for more than 90 consecutive days, and it is difficult to obtain loans from banks.

As far as personal income is concerned, in Beijing, for example, borrowers can only apply for unsecured loans from individual banks if their income reaches at least 4,000 yuan.

Although the bank's application conditions are slightly harsh, its low loan interest rate is enough to cover up its shortcomings.

Compared with bank loans, people with low income and poor personal credit are suitable for third-party lending institutions such as microfinance companies and pawn shops to apply for unsecured loans.

Such a loan platform not only has a low application threshold, but also has a faster lending speed than bank lending due to simple procedures.

However, high risk often means high cost, and for borrowers, the cost will undoubtedly increase accordingly.

In fact, no matter whether you have fixed assets or not, as long as you maintain a good credit record, the chances of applying for a loan will be much greater, so you must pay attention to the repayment of your loan in the future.