Ordinary people generally apply for loans in their own names. In addition, banks can also apply for commercial loans. Today, we will introduce personal loans.
I. Classification of personal loans
Common personal loans include credit loans, mortgage loans, pledged loans and secured loans. Credit loan is the most commonly used loan. This kind of loan can be applied by virtue of credit history, without mortgage guarantee, and the process is simple and fast, so it is deeply loved by the general public.
In addition, mortgage loans, car loans and other mortgage loans are also familiar products. It is very convenient to go to the bank to handle this kind of business now. As long as the credit is good and the income is stable, it can basically pass.
Second, do ordinary people go to the bank for loans?
Whether the loan is good or not mainly depends on whether the following conditions are met:
1, assets under.
Although it is not necessary to mortgage or pledge assets, it is very helpful to have certain assets in your own name, such as full house/mortgaged house, large insurance policy, large deposit certificate, investment and wealth management, shops or factories, etc., to improve the success rate of loans and to obtain loans more easily.
2. Stable job and income
These two elements can ensure that borrowers have sufficient repayment ability. It is best to work in state-owned institutions or large enterprises. The longer you work, the better. It is best not to break the provident fund social security. A stable monthly income is not as good as a loan.
3. Good credit information
No matter what kind of loan business, credit information is the key information for banks, so you must ensure that your credit status is very good and there will be no stains.