Loan white households refer to people who have no credit record or a bad credit record. Although this group of people also need loans to meet their needs, their lack of credit history or poor credit history makes it more difficult for them to qualify for loans. Some banks or financial institutions will impose stricter reviews on such people and require higher deposits or interest rates.

The loan method for Baihu can be more flexible, and the most common options are secured loans or personal credit loans. Guaranteed loans require the lender to provide some real estate or relatives and friends as guarantees to ensure that the bank or financial institution can use these guarantees to protect the interest if it is unable to repay the loan. Personal credit loans determine loan qualifications and interest rates based on the borrower's personal credit score and repayment history. For white-loan households, it is very important to choose a loan method that suits you.

Whether it is a secured loan or a personal credit loan, before applying for a loan, you need to weigh the loan amount and repayment method, and formulate a good repayment plan to avoid the lender failing to create a sound repayment plan and repaying the loan. Failure to meet your deadlines results in a lower credit score, more unpaid interest and penalties. In order to solve this situation, some technology companies and financial institutions have also developed some loan platforms dedicated to white-loan accounts. They can analyze the risks of lenders through big data and other technical means, thereby providing more targeted, safe and convenient services. loan services.