Who is Xiaobai Credit Information?
Credit information is white, that is, credit information is white. Simply put, users who have never made a loan, applied for and used a credit card and have zero credit history are usually called "white households". No loans, no credit cards, credit history is a whiteboard. Such a user is a credit white.
Xiaobai loan is easy, right?
White households do not mean that your credit is good, but that you have no credit history. Most banks will choose people with good repayment records in their credit reports. White households are reflected in the credit information that all kinds of lending information are 0.
How does Xiaobai get a loan?
1. Get a credit card to repay the loan, so you can get a loan after the credit information is updated.
2. Make online loans in online lending companies, repay on time, and wait for credit updates.
3. Apply for a mortgage loan in the bank with the garage and wait for the credit update.
The general credit renewal time is one month.
Advice for Xiao Bai
1. At present, the average borrower should be between the ages of 23 and 55.
It is not allowed to lend money to people who are still at school at present.
3. Choose a good lending platform and focus on strong and stable companies.
4. Know your repayment ability, so as not to cause overdue blacklisting.
What kind of loan method do you choose?
1, private lending: Generally, private lending has high interest, low quota and high efficiency.
2. Banking channels: Generally, the four major banks have relatively high quotas and low strict approval rate. Credit cooperatives are related, and the approval is relatively loose, but the amount is within 50,000.
3. Online loan: simple review, low quota and high interest rate.
4. Insurance company loans: fast approval, high amount, and higher interest rate than banks.
A message for Xiao Bai
Xiao Bai must accumulate a good credit record and prove that he has the ability to repay on time and economic strength in case of emergency. When one day, the little whites are short of money and their relatives and friends are helpless, it is useless for them to come to the loan company again, because the loan company can't help you with the loan!