First, define loan products
At present, bank loans are mainly divided into mortgage loans, car loans, consumer loans and commercial loans. There are too many choices. Sometimes newcomers don't know what kind of loan to apply for, so they can consult the bank credit manager. They are experienced and have a clear understanding of the bank's loan products, and will provide you with suitable products according to your conditions.
Don't underestimate the choice of loan products. If it is not suitable for you, it will cause repayment pressure and may lead to overdue. In addition, if some loan products have high thresholds and insufficient qualifications, it is not appropriate to increase the inquiry records for no reason.
Second, the loan amount and cycle
When deciding on loan products, we must choose the appropriate amount and term within this range. The quantity mainly depends on our own needs, not simply the higher the better. The higher the amount, the higher the interest. Because the term changes with the amount, some users have a high risk of overdue and the term may be short. In short, we should decide according to the nature of the product and our own needs, and do what we can.
Third, the application materials
Generally speaking, before entering the audit mode, newcomers need to prepare the following materials and submit them to the bank according to the situation.
ID card, bank account flow in the past six months (salary flow), income certificate (company seal), work certificate, social security, provident fund, credit card, real-name authentication of mobile phone number, Taobao account number, sesame credit score, credit report, contact information, academic background, social e-commerce account verification, civil servants/teachers/banks/doctors and other certificates.