1, this house cannot be changed.
Expired records will not follow us all our lives. If you repay the loan on time after the deadline and maintain good credit, the overdue record will be automatically eliminated after five years. However, if capital turnover is urgently needed and overdue records cannot be eliminated, you can find some institutional loans with low requirements for credit reporting.
After all, there are still many lending institutions that are not as sensitive to overdue records as banks. As long as there is no particularly serious overdue within two years, lending institutions will generally make payments.
2. Apply for small loans or mortgage loans.
If the overdue period is not particularly serious, you can try to apply for a micro-credit loan from a regular company. This kind of loan has low requirements for applicants' qualifications, and the loan interest of regular companies is within the legal scope.
If the overdue period is so serious that you can't even apply for a credit loan, you can consider trying to mortgage your car and real estate to a lending institution to get a loan. But remember to repay the loan on time, otherwise your collateral will no longer be yours, and the lending institution will sell it to recover the loan.
3. Submit more comprehensive loan application materials.
Lending institutions will learn about your repayment history, income ability, living expenses and other aspects from the information you submitted, so as to judge your personal qualifications and whether to repay for you. Therefore, in order to prove to the lending institutions, it is best to submit complete loan application materials, especially income, and you can submit additional income certificates.