We usually apply for loans, and many banks and loan companies require applicants to earn at least 2000 yuan a month to apply for loans. But for those who have just joined the workplace, can't they really get loans with low wages? What the lender Wang wants to tell you is that it is not good for an individual to apply for a loan with a monthly income of less than 2,000 yuan, but it is not absolutely impossible to borrow.
In addition, the platform of monthly salary loan is generally salary loan. Even if you can get the money, the amount is extremely limited. Generally, the platform only gives the borrower 6- 10 times the salary, so if the borrower's salary is less than 2000, the most you can get is 20,000.
General wage loans need to prepare materials are:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. Lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months)
5. Income certificate issued by the lender's work unit.
6. Social security card;
7. Provident fund card.
Although the monthly income is less than 2000, it is not good to apply for a loan. But that doesn't mean you can't apply for a loan. To apply for a loan, the general banks have higher requirements for the loan conditions of the applicants, and most banks even require an income of more than 3,000 yuan to apply for a loan. And if you apply for a loan from a local loan company. The income requirements for applicants will be much lower. Even if the monthly income is less than 2000 yuan, you can still apply for a loan.
So you can apply for a loan with a monthly income of less than 2000 yuan. Just because the income is relatively low, it is not easy to find a local bank to apply for a loan. Applicants are advised to apply to a local loan company or find a popular P2P micro-loan.
Low income and poor conditions can only show that the loan is more difficult and the scope of choice is less, which does not necessarily mean that the loan application will be rejected. The key is to choose the right microfinance platform.