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1. What is a white household? What is the difference from a pure white household? A white household means that there is an application record, but the application failed in the end and the card was not issued for more than half a year. A pure white household refers to a person who has never applied for a credit card or loan and has no personal credit. Both pure white households and white households refer to customer groups without bank credit records. This group of people will inevitably get stuck when applying for loans. The reason is that in order to control risks, some banks only target customers with credit. Recorded and good people. It should be reminded that credit records refer to information about the credit status of economic entities represented by certain symbols or words by credit rating agencies based on information from a certain channel or social parties that can judge the credit status of economic entities. After evaluating according to certain standards and indicators, description. Personal credit scoring is a specially designed mathematical model used by credit service intermediaries to evaluate and calculate a person's credit ability based on the content recorded in the personal credit report, and give a person's risk score. The higher the personal credit score, the higher the personal creditworthiness.

2. Can white households get loans? We all know the fact that it is difficult for loan users to apply for loans. In fact, it is also difficult for white households to apply for loans. Because Baihu's personal credit record is blank, the lending institution cannot confirm the loan applicant's loan qualifications, and it is even more difficult to predict his repayment ability, which increases the lending risk of the lending institution. Under the circumstances of strict bank risk control, such applicants are easily rejected. However, white households can try to apply for a credit card first. To apply for a credit card, you need to have a stable job. Pure white households can also apply. You can continue to use your credit card for more than half a year, repay it on time and in full before the due payment date, maintain a good repayment record, and improve your personal credit. Applying for a loan after that will be more likely to be approved. There are also some loan products that do not require the credit report of the loan applicant, so white households can also get loans.

3. What conditions need to be met for a white household loan? 1. A natural person who is over 18 years old and has full capacity for civil conduct; 2. Has a local permanent residence or long-term residence certificate, and a fixed residence; 3. Has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on schedule ; 4. Have a good personal credit record.

4. How to get a loan for a white household? Are there any ways to get a loan? 1. Find matching institutions. Facing this kind of people with no credit, different institutions have made two completely different reactions. Conservative banks such as Ping An and Hua Xia have chosen to stay away, while open banks such as Citigroup and Standard Chartered have chosen Forging ahead bravely has created a glimmer of hope for Baihu to realize his dream. Therefore, it is very important to choose the right institution, not all institutions unite to "block" white households. 2. Clear the way for credit cards “Small size, big power”, this saying is tailor-made for credit cards. It has to be said that the opening of credit cards has indeed broadened the loan channels for some people, and even the loan success rate. For many loan products, as long as you have a credit card with a limit of more than 10,000 yuan and a good repayment record, the loan application process will be halfway successful. 3. Apply for a mortgage loan. The high-profile appearance of the collateral is enough to make up for the gap in your credit and completely dispel the concerns of the lending institution. Generally speaking, putting a house or car in front of a lending institution can activate wealth and help you get a loan amount of about 70% of the appraised value. However, it is worth noting that house mortgage loans are mostly synonymous with large loans, generally starting from 200,000 yuan; while vehicle mortgage loans have become the exclusive spokesperson of private institutions. Since vehicles have the risk of depreciation, most banks provide low-interest loans. I chose to withdraw from the war voluntarily.

5. What is the process of white household loan? 1. Clarify the purpose of the loan and choose the type of loan that suits you; 2. Select a bank and understand each bank’s loan policies, requirements, expected annual interest rates and other regulations; 3. After selecting the bank, prepare various items according to the requirements of the account manager Loan materials; 4. During the processing period, keep in touch with the account manager at any time to understand the processing situation and cooperate to solve problems; 5. Sign the loan contract and complete the loan procedures; 6. After the loan is successfully issued and used, repay the loan in a timely manner according to the agreed method.

6. What are the loan platforms for Baihu Loan? Elite Loan is a mobile loan platform under Zhongyuan Consumer Finance. The application conditions are very simple. You only need to be between 18 and 55 years old and have good personal credit. For credit reporting The requirements are strict and you need to check and submit a credit report. It is suitable for office workers to apply. The application process for "Taqianhua" is very simple. You only need to log in to the Zhongyuan Consumer Finance App - "Tianqianhua" - and fill in the information verification application according to the process. Early repayment is supported. Early repayment only charges interest up to the repayment date, and can also be repaid in installments. to reduce repayment pressure. CCB Kuai e Loan Kuai e Loan is a pure credit mobile loan. It is a full-process online self-service loan for individual customers of CCB. You can apply directly online. The limit is approximately between 1,000 yuan and 300,000 yuan. Within the validity period of the limit, you can Spend at any time and repay at any time.

7. What should I pay attention to when applying for a white household loan? 1. The amount of loan you apply for must be within your ability, and the monthly repayment amount must be in a reasonable proportion to your family income; 2. Based on your repayment ability and future income expectations, choose a repayment method that suits you and formulate a repayment plan. ; 3. Provide true and accurate information to the bank. When your address, contact information and other information change, you should promptly notify the bank: 4. Carefully read the terms of the contract and understand your rights and obligations; 5. Repay the loan on time to avoid creating a bad credit record and economic losses; 6. Keep the loan contract and IOU. For guaranteed loans, cancel the guarantee registration and retrieve the pledge or rights certificate in a timely manner after the loan is paid off.

8. Summary: In fact, compared with loan users, white credit users still have many advantages. After all, they do not leave a stain on their credit records. However, this does not mean how good Baihu is. As a group of people with blank credit records, if you want a loan, you must prove to the lending institution that you have good credit.