1, repayment ability
Bank loans are very strict with borrowers, and repayment ability can be judged by personal liabilities. For example, borrowers borrow more online loans, accounting for 50% or even more of their income, so it is mostly indifferent for borrowers to apply for bank loans to reduce their debt ratio before any online loans are settled. Or there are few online loans in the borrower's personal credit report, but the total number is three or more, involving long-term loans. If it is questioned that the repayment ability is not good, the bank loan will not be approved.
2. Personal credit information
Bank loans are used to inquire about credit information. The personal credit of ordinary borrowers is judged by credit records and records. After the borrower borrowed the online loan, it was shown in the mortgage record in the personal credit report. Whether there are bad credit records such as loans overdue and bad debts; Or there are several hard inspection records such as online loan review and credit card approval in the inspection records, which all indicate that the borrower's personal credit is not very good, and it is still difficult to approve according to the bank's statement.
What is the annual coverage of 1 10,000? At present, there are many critical illness insurance products on the market with different pricing strategies, and there are many factors that endanger the price of critical illness insurance, such as the age of insurance, the sex of the fetus, the amount of insurance, the specific content of insurance, and the guarantee period. So I want to know what the annual critical illness insurance coverage is1million, or from the actual goods. In the financial market, many critical illness insurance will have a limit, and the maximum insurance coverage is generally around 500,000, 600,000 and 800,000. Give you some examples of commodities and look at the interest rate of 1 10,000 insured amount.
1, online critical illness insurance
For example, Ruihua Jiruibao is also an internet technology critical illness insurance under Ruihua Physical and Mental Health Group, which guarantees free and easy content, including 125 major diseases, 25 moderate diseases and 50 minor diseases. Death protection can choose to pay insurance premium or insurance coverage. Trial calculation standard: the insured amount is 654.38+00,000, which is guaranteed for life. The insurance premium will be paid in 20 years, including death compensation. The insurance prices of different age groups are as follows:
2. Promote critical illness insurance offline.
For example, it is life-long critical illness insurance under the Ping An Life Insurance Company of China Insurance Company of China Insurance Group, including 65,438+020 major diseases, 20 moderate diseases and 40 mild diseases. There are 15 kinds of additional compensation for high diseases, and you can choose to pay for major diseases and cancer diseases. In addition, before the age of 70, you can pay for moderate and mild diseases, and the insurance coverage for major diseases and deaths can be increased in the future.