Generally speaking, for bankers, 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 households to apply for loans than 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 will generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.
Extended data:
Methods to improve the pass rate of white household loans
1. Properly handle credit cards, repay in full and on time, develop good repayment habits, avoid overdue and improve credit.
2. Improve the third-party credit score. For example, Sesame Credit and Tencent Credit have been accessed by many institutions.
3. Personal identity information is true and effective.
4. Have valid identification, fixed detailed address and full capacity for civil conduct.
5. Choose the appropriate loan amount and have the ability to repay the principal and interest in full and on time.
Baidu encyclopedia-personal unsecured micro-credit loans
Baidu Encyclopedia-Personal Credit Survey