It is more difficult for white households and pure white households to apply for loans than ordinary people, mainly because their credit records are blank. When applying for loans and credit cards, banks can't judge your qualifications by your credit history, so they will naturally consider whether to apply for you.
Therefore, if a white household applies for a credit loan, the impact will be greater, and if it is a mortgage loan, the impact of a white household will be smaller.
At present, most online credit loans do not accept white households. Of course, if white households really need funds, they can consider some loan products that are manually approved offline by banks. The income is good, other qualifications are good, and the problems of white households can still be communicated.
Most bank mortgage products are acceptable to white families. As long as the enterprise has operations and the quality of collateral is high, white households generally have little influence. Of course, if you choose a bank mortgage loan product that can't be a white household, I suggest you consult a professional and choose other bank mortgage loan products.
White households have a correct understanding. White households are divided into pure white households and white households. Pure white households refer to users who have never dealt with banks or even applied for bank cards or any microfinance products. White households refer to users who may have had contact with banks, but have no economic activities in their credit records.
Pure white households refer to the student party, while white households are generally newcomers to the workplace. Most banks are reluctant to provide loans to white households, because the identity of white households seems innocent, but the lack of records also means that banks cannot judge the economic strength and repayment ability of white households. Unknown risks may also be equal to great risks.
However, this does not mean that white families cannot apply for loans from banks. Some banks are willing to approve loans for white households as long as the amount of loans they apply for is not large and they can provide loan application materials that meet the requirements of banks. For example, white households can provide their own work units and monthly income, real estate under their names, etc.
What loan can a pure white family apply for in the bank?
Mortgage: White families with rich family background can go to the bank to apply for mortgage loans, and real estate, luxury cars and watches can all be used as collateral. As long as the bank recognizes the repayment ability of the white household, the next repayment is very simple.
* * * Same loan: it is more common between husband and wife. People with good credit and strong repayment ability are the main lenders, while white credit users are the sub-lenders. It will be easier for banks to apply for loans through white households. Of course, the information on the credit report is synchronized with the borrower.