1. Prepare complete loan information.
This should be selected according to the types of loans, such as credit loans and mortgage loans, and the required information is different.
If it is a credit loan, it is generally enough to upload a photo of a valid ID card without mortgage guarantee, but we have to work hard to prepare the information. The places that need attention are: monthly income, working years, unit nature, marital status and so on.
If it is a mortgage loan, for example, you should prepare your ID card, residence booklet, motor vehicle driving license, car purchase contract, deed tax invoice, income certificate, etc. For housing loan, you need to prepare ID card, household registration book, income certificate, house purchase contract, real estate license, income certificate, running water and so on.
2. Keep a good credit record.
Credit history is an important indicator of loan approval, especially for loan products that apply for credit investigation. Banks will check the lender's credit report.
Therefore, during this period, users should not inquire about credit reports for no reason, let alone authorize others to inquire. Otherwise, there will be too many inquiries about the credit report, which will make lending institutions feel that you are short of funds and apply for credit everywhere, which may lead to overdue risks.
3. The debt ratio should not be too high.
Nowadays, many people will spend by credit card. To know that the amount already used is also personal debt, some people will borrow various small loans. If everyone goes to the credit bureau, the bank or loan will count the lender's liabilities when checking the credit bureau, and then estimate the debt ratio by combining the lender's income.
If the debt ratio accounts for more than 50% of the monthly income, the loan may be refused. Therefore, if you want to make a quick loan, it is recommended to find a way to pay off the large debts on the credit report before lending, and reduce the debt ratio to below 50% before applying.