Therefore, if the lender's debt on the online loan is too high, there is no need to borrow money before further debt reduction. In fact, whether you borrow money from online loans or banks or financial enterprises, the success rate of borrowing money will be extremely low as long as you check the credit information during the declaration process. If rejected, it will also reduce personal credit.
Generally speaking, reducing the debt ratio can start from these aspects:
1, increase income
When a lender has a good job, he can also do a part-time job in his spare time, such as Didi Chuxing and delivering fast food. The more money he earns, the greater his income, and the corresponding debt ratio will also decrease. For example, suppose there are 5000 online loan liabilities, and the monthly income is 10000. The original debt ratio was 50%, and the part-time job earned 2,000 yuan, and the debt ratio dropped to 4 1.6%.
2. Raise funds to repay the loan
Usually borrow money from relatives and friends to repay the loan. After the online loan liabilities are settled, the loan company will borrow again after the debt ratio is reduced. Although there is debt, it will not be shown on the personal credit report. The loan company can only judge the borrower's repayment ability according to the debt on the personal credit report, so the success rate is relatively high.
Are there any regular loans with lower interest rates? 1, Huaya borrows money
Huaya borrowing money is a relatively high-profile personal microfinance commodity. Huaya's loan qualification requirements for customers are not very high. As long as the customer's personal credit report does not have a very serious bad credit record, you can try to apply for a loan. Consumers in remote areas such as Tibet and Xinjiang cannot apply for loans from Huaya.
2. point e loan
E-point loan is a micro-loan product under the Yin Bei Consumer Finance Group. The minimum annualized interest rate of e-point loan is 10.8%, and the maximum credit line for customers is 50,000. E loan can be divided into 12 months at most, and the next payment can be completed faster through online application, 1min.
3. Doudou money
Doudou Qian is a small loan product under WeChat Group, which was released on 20 16. Among the loan products, it is also a small loan software that is very popular with customers. Customers can apply for loans with bean money. If the sesame credit score reaches more than 550 points, you can try to apply, and you can apply for a maximum of 50,000.
4. China Bank Easy Loan
To apply for a loan on bank easy loan, the customer must be at least 22 years old, with no serious stain on his personal credit report and a stable source of income. The maximum loan amount that a bank can handle with Easy Loan is more than 300,000 yuan, and the longest loan application period is 12 months.
5. Weibo wallet
The loan quality of Sina Weibo was provided by Jiujiang Yunke Network Microfinance Co., Ltd., and a cooperation contract was reached with Weibo. The maximum loan amount is 200,000 yuan, and interest-free installment is applicable for early repayment.
The above is the introduction of "the channel with low loan interest rate". I hope I can help you!