Bai Hu can apply for a loan in Ping An Bank, but the bank may be stricter in the examination and risk control of Bai Hu, so it may not be approved, but it depends on everyone's different situation. The so-called white households with credit information refer to those users who have never handled financial credit business and have no loan records on credit information. When applying for a mortgage, white households will naturally have certain advantages in credit because they have no bad credit record. However, in addition to credit records, banks need to comprehensively assess the risks of lending.

First, it is easy for white households to apply for loans.

Many people find it hard to understand that white households can't get loans. In fact, it is difficult for white households to apply for loans because the credit report is blank. When handling the loan business, the institution needs to review the borrower's personal credit report, mainly because the lending institution needs to judge the borrower's performance ability and repayment ability through the loan records and credit inquiry records in the credit report. If the borrower's personal credit report is blank, then the lending institution cannot judge the borrower's credit status from the credit report. In this case, in order to avoid risks, lending institutions may not consider payment, which is also the main reason why white-family loans are easily rejected.

Second, it is relatively easy for white families with higher incomes to borrow money.

The bank will calculate the monthly repayment amount according to the loan amount, interest rate and years, which is the so-called monthly payment. If the borrower's income is twice or more than the monthly payment, it is easier to pass the loan approval. White account means that there is no overdue and no debt, but this does not mean that the bank will recognize your repayment ability, but it just lacks the reference for the bank to judge your performance record.

If it is a white household, if the loan from Ping An Bank has not been approved, you can also apply for a credit card first, because the threshold of credit card is lower than that of loan, and approval is easier. Therefore, apply for a credit card first, maintain a good credit, repay the loan normally every month, avoid bad records, and make it easier to handle the loan business.