No house, no car, no savings, no loans. There are many ways to borrow money. You can choose the loan method according to your own situation.
Compared with bank loans, lenders who have nothing suggest choosing a third-party lending institution to apply for unsecured loans, so that the application threshold is lower, many of them do not need mortgages, and the approval speed is faster and the procedures are simpler. Here are the five loan methods that three people first promoted.
Have a credit record of the central bank
Although you don't have a house or a car, if you have a credit history and are not a white household, you can get a credit loan, which is the simplest way to get a loan.
Many lending institutions and platforms will review your loan qualification according to the credit report of your central bank. If the repayment record is good, the next repayment is often easier. If the credit line is acceptable, the amount of the next payment will be larger.
There is a third-party credit investigation
Many people may not have borrowed money from the bank, but they will leave a record in the third-party credit report. For example, the most common sesame credit. Now it is convenient for anyone who doesn't have Alipay to buy things and pay utilities. All kinds of financial behaviors and performance behaviors through Alipay system will be collected by Sesame Credit, and credit scores will be given according to big data evaluation. The higher the sesame credit score, the better, with a maximum score of 950.
However, for those who need loans, there are many places where Sesame Credit can get 600-point loans, and there are also several channels in Alipay that can get 600-point loans. Some requirements will be relaxed to 550 points.
At present, there are many lending institutions and platforms in the market that cooperate with such third-party credit information. As long as your third-party credit information meets certain requirements, you can pass the audit and get a loan.
Borrow by credit card
Although you have no house, car and credit, it doesn't mean you can't apply for a bank credit card. You can try some ordinary credit cards with low application threshold. Although the amount of the first card will be high, you can slowly raise the card and cultivate credit after you get off the card.
Moreover, many credit cards have a cash withdrawal function, some can withdraw 50% of the amount, some can withdraw 100%, and some credit cards do not charge a handling fee for the first cash withdrawal, and the money obtained can be used for capital turnover.
In addition, many lending institutions and platforms provide credit card loan services. As long as you have a credit card, you can apply for an unsecured loan from them. The loan amount is related to the credit limit of the credit card.
Those who have a provident fund can borrow money.
Provident fund loan is also a good loan method. Generally, people who need to apply for loans have provident fund accounts and records of continuous payment of provident fund. For example, in the provident fund loan model of a platform, borrowers who meet the loan conditions can borrow up to 200,000 yuan, and the loan period is up to 36 months, with equal principal and interest repayment.
It should be noted that for provident fund loans, some borrowing channels will be restricted by cities, mainly concentrated in first-and second-tier cities and coastal cities.
Those who have running wages can borrow money.
How can I get a loan without anything? Don't worry, it's ok to have a running salary.
Many companies don't pay the provident fund, but the salary will often be credited to the bank card, so you can have a running salary, and you can also apply for a loan by using the running salary.
According to the requirements of loan channels in the market, it is generally necessary to pay back the last six months in a row, and some need more. You can see the monthly salary and who is the main body of salary payment in the salary flow, which is helpful for lending institutions to evaluate the loan amount. Obviously, the higher the salary, the better the qualification.
Therefore, even people who have no house, car or deposit can apply for loans through various channels. Generally, the amount they can apply for is thousands or even tens of thousands, and the maximum general agreement is 200,000. However, I recently learned that the maximum amount of exclusive loans provided by people with less money is 300,000, which is quite good for those who need more funds. The daily interest rate is as low as 0.0 1%. You can try it if necessary.
Say at the end
No matter what kind of loan method you choose, what kind of loan platform you choose is very important. It is recommended to choose a platform with larger platform, better qualification and more formal operation, so as to avoid a lot of trouble after the loan. If you encounter informal channels, worry about loans, because there is nothing. Even if you can easily get a loan, there are many things to worry about later, such as various procedures or hidden interest, or playing some word games, or deliberately making you overdue. There are more routines than you think.