First of all, answer directly.
Generally, borrowing money requires money. Metropolis is considered by lending institutions to be short of funds and insufficient repayment ability, so it is difficult to approve loans.
Second, the specific analysis
Because most of the credit information is because there are many applications for loans and credit cards, or because others have credit information as a guarantee.
So what borrowers need to do is to prove that their borrowing risk is low. They can start with increasing their income or reducing their liabilities, and then choose the appropriate loan types and channels.
Here, according to the different qualifications of borrowers, two different loan methods are formulated.
1. Borrower with assets.
For example, if you have a house or car with circulation value, you can apply for a mortgage loan at the bank. According to the maximum amount of 80% of the mortgage real estate assessment value, as long as the mortgage real estate assessment value is above 6,543.8+0.25 million, there is no problem with the general loan of 6,543.8+0.00 million, provided that the borrower's income is stable and there is no serious bad record.
2. Borrowers without asset collateral
It is suggested that you can apply for pure credit loans on the online lending platform, such as 360 IOUs, Xiaoman, JD.COM Gold Bar, Bai Jie, etc., and the maximum loan amount can be 200,000. Although the borrower spent a little money on credit reporting, as long as there is a stable repayment ability, the platform big data will have the opportunity to make the next payment if it performs well.
Maybe one platform can't borrow 654.38+ million at a time, so borrow a little from multiple platforms to make up for it, but it should be noted that the application time can't be too concentrated in one time period.
In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
Third, where can I borrow money for emergencies?
If the credit is "spent" and you need to borrow money urgently, I suggest doing the following.
1. Find an online lending platform that is not connected to the central bank's credit information system to apply for a loan. Because there is no access to credit information, the main thing to check when approving is big data. How can credit information not have much influence on this? As long as the borrower has good data, there is still a chance to borrow money.
And everyone needs to pay attention, be sure that the platform you are looking for is formal, and you will not charge high interest to borrow money in violation of regulations, so as not to be deceived.
Try to borrow money from close relatives and friends to raise funds. Borrowing money from relatives and friends will be easier to negotiate the repayment time than loans, and generally no interest will be charged.
3. If you are not in urgent need of funds, you can suspend the application and keep it for at least three months to improve the situation of "spending money" in credit investigation.
After three months, you can try to apply for a loan from a bank or other licensed financial institution, and the chances of being approved will be higher.
2. What if 10w is urgently needed to repay the account?
In urgent need of100000 yuan to pay off the account, you can apply for an interest-free loan in the new countryside, then make up a little with a credit card and add a little of your own savings, which is enough!
Third, what should I do if I urgently need 65438+ 10,000 yuan? I don't want to drag my parents down.
Customers are advised to choose formal banking channels to apply for loans, such as ABC's "Netjet Loan".
Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions, with self-application, quick receipt and self-credit.
Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows:
(1) The borrower logs into the online channels (personal online banking and pocket banking) designated by Agricultural Bank of China, and enters the "Netquick Loan" application interface.
(2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) The system verifies the validity of the mobile phone number.
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application.
The maximum loan amount is 300,000 yuan and the minimum is 3,000 yuan; The specific amount of the customer will be approved according to the customer's business situation in ABC.
Four, now need one hundred thousand yuan, where can I get a loan!
It is best to go to a financial institution. ...