Loan terms.
How can I get a smooth loan and easily make the next payment with a higher amount? Let's talk about the loan terms.
Personal credit must be good.
The first premise of the loan is that the personal credit information is good, the credit information is bad or has been consumed, and the loan will definitely be rejected during the review. Therefore, maintaining good personal credit information is an important prerequisite for loans.
How to keep personal credit information good?
0 1
Don't be overdue.
Whether it is credit card repayment or mortgage repayment after credit card consumption, we must be careful not to overdue repayment. Once overdue, not only will there be a penalty interest, but this consumption record will also be kept in the personal credit information system. Then when the loan is made, it is easy to be rejected during the review.
02
There are too many sleep card.
Many people always think that after applying for a credit card, it won't matter whether you open it or not. In fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, and it will have an impact if you apply for the bank's credit card in the future. Some specific cards have an annual fee even if they are not activated. If this point is ignored, it is likely to lead to credit card arrears and then overdue, resulting in bad credit records.
03
Arrears of living expenses
The new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are recorded in personal credit information.
If you don't pay on time, there will even be things like subway evasion. In real-name registration system and the Internet age, all your records will be recorded in your personal credit information, which will inevitably lead to bad credit information.
Only maintaining good personal credit information is the premise of a smooth loan!
Say goodbye to the white tiger
Many people always think that they never borrow money and have good credit information, so the loan will go smoothly, but in fact, users who never borrow money will also be rejected when lending.
Why? A bank account refers to a person who has not applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.
Generally speaking, for IOUs, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make objective and reasonable judgments.
Therefore, it is much more difficult for white families to apply for loans than for customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. In order to control their credit risk, they generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.
Therefore, it is also necessary to make appropriate loans and handle credit cards reasonably.
How to make a large loan?
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Don't be overdue.
Under normal circumstances, the running water and salary level of the wage issuing bank largely reflect the income strength of individuals. People with high wages can easily be listed as quality customers. Not only the amount of credit card application is high, but also the loan is easy and the amount will be higher.
Just like the bank that pays my personal salary, our company is first included in the bank's quality enterprise service, and then my personal salary and year-end bonus are paid through the bank, thus being included in the bank's quality customers. My credit card is not only the highest, but also the loan amount is hundreds of thousands, and the approval is also very fast.
02
Increase bank flow
What is bank running water? In fact, bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank account transaction statement.
Bank flow includes three parts: salary flow, transfer flow and self-storage flow.
Running water in the bank is not equal to running water in wages! Many people borrow money without housing, cars and jobs, and their bank card applications are always rejected. The reason is that the bank is running water.
How to improve bank flow?
First, the way to get money
For individuals who lack bank running water, access method can be used to improve the bank running water record. Under normal circumstances, some people withdraw their deposits on the same day in order to have a flowing bank, which is invalid.
The correct posture of saving and withdrawing money is to deposit a large sum of money in the bank first, and according to one's ability, the larger the amount, the better, and then take it out in small amounts later. Don't take it out on the same day.
B, time to save money
Want to improve the bank flow, not a day or two can be completed, but gradually accumulated at ordinary times, so pay attention to the usual deposit and withdrawal methods.
If you don't have much money, you can choose the usual fixed deposit mode+zero deposit mode. That is to say, in addition to similar deposits at a fixed time every month, if there are other sporadic deposits, you will get extra points.
Therefore, pay attention to the usual deposit and withdrawal methods, and gradually accumulate bank flow for at least 1-3 months.
Banks have a high flow of water and a lot of deposits, so it is easy for them to be included in high-quality customers. It is easy to approve the loan, and the amount will naturally increase.
03
Provide sufficient proof of assets
Whether the loan is approved or not, the most crucial point is that the bank looks at your repayment ability. Having enough assets means that you have strong consumption and repayment ability, so it is easy to get approval. The amount of assets largely determines the amount of loans. Therefore, asset certification materials are very important.
In addition to salary income, asset certificate is also a plus item. If the applicant owns fixed assets such as houses and cars, or large insurance policies and stocks, he can get extra points. Providing these asset certificates can provide borrowers with high and low interest loans.
If you want to apply for a large loan, you can refer to the above method to apply for a loan.