First of all, I want to tell you, don't believe those online advertisements that can make money only by ID card. You know, no institution can give you money with an ID card. Many friends who don't know much about online lending think that loans are actually very easy, but in fact they are either cheating you or usury. Anyway, friends will walk around when they encounter such a small advertisement.
The following methods are the correct loan application posture for people who have no house, no car, no credit information:
Secured loan
If you don't have a house or a car, but your immediate family members or relatives and friends have a car and a house, you can ask them to make a secured loan for you. The premise is to persuade relatives to cooperate, and there are thresholds for secured loans, such as the borrower's economic ability and the borrower's credit qualification.
However, I remind you to learn to safeguard your legitimate rights and interests according to law. If you give a secured loan to a relative or friend, it's best to let him have collateral. In this case, even if he runs away without paying the money, the bank can auction his collateral to reduce your repayment burden.
Get a credit card
If you have a credit card in your hand, it is a trivial matter to have no job. Credit cards can indirectly evaluate your personal credit, so there is no problem in applying for a loan.
If not, get one quickly. It doesn't matter if the quantity is small. The amount of cards for three people must be low. The important thing is that we get rid of the identity of credit white households through this card. When there is a beautiful record on the credit report, the loan will be much easier.
The most important thing to maintain good credit is not to be overdue! Once overdue, it will become a stain on credit information, which will seriously affect future loan applications.
Fans who don't have a credit card yet or need to apply for more credit cards can read the original text and apply directly. Credit cards from more than a dozen banks, large-value, fast-approved and more favorable credit cards are available for you to choose from.
Keep the bank flowing.
Bank card running water is a kind of income proof, which transfers a fixed amount every month, indicating that the income source is stable and has certain repayment ability, so it is naturally easy to be recognized by online lending platforms.
At a fixed time every month, more than 2,000 yuan will be transferred to the bank card, and one transfer will last for more than three months. It will be much easier to provide the bank card to the online lending platform and then apply for a loan.
Nourishing credit score
Many online lending platforms can easily apply for loans as long as the sesame credit score is above 500, and the amount is not low. You can also borrow money from Alipay if you score more than 600 sesame seeds.
In addition to Sesame Credit, many platforms accept JD.COM, Taobao and even Weibo and QQ accounts as auxiliary materials, and use the consumption records of JD.COM, Taobao, Weibo and QQ as reference for lending.