For white credit families, the standards considered by banks are inconsistent with citizens' self-cognition. It is a kind of credit loan, focusing on the good personal credit of customers. If there is no credit record belonging to white households, it is impossible to distinguish the credit situation of customers, and there are potential adverse risks. In order to avoid this situation, some banks will pay special attention to white credit families when reviewing loan applications and credit card applications, and the approval rate will not be too high.
Generally speaking, it is difficult for white families to get bank loans. In this case, they have to find a local formal loan company to handle the loan. Although you want to apply for a loan from a loan company, you also need to meet the following conditions:
1, at least 18 years old, with full capacity for civil conduct;
2. I can provide my valid identity documents;
3. Have a stable job and income and the ability to repay in full and on time;
4 can provide collateral or guarantee that meets the requirements;
5. Other conditions required by the loan company.
Problems needing attention in the use of personal loans;
1, personal loans should have a clear purpose, and should comply with laws and regulations and relevant national policies, and the transaction background is true, and the transaction background and loan purpose should not be fabricated;
2, the use of personal loans should follow the principle of good faith, in line with the purpose of the loan contract, according to the current provisions of the state, loan funds shall not illegally enter the stock market, real estate development and other areas prohibited by the state;
3, loans to buy housing, should apply for personal housing loans in accordance with state regulations, according to the current provisions of the state, consumer loans are prohibited for the purchase of housing.