For credit union loans, the information has been submitted, but the amount is being calculated. In this case, it means that your loan has been approved, but the amount needs to be calculated.
Apply for a bank loan.
The conditions for bank loans are as follows:
Have a fixed residence, or have a permanent residence in a local town (or valid residence certificate), or have a fixed business location and have full capacity for civil conduct. Citizen;
Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;
No bad credit record;
The loan cannot be used Stock speculation, house purchase, etc.;
Other bank small loan conditions stipulated by the lender.
Article 3 of the "General Principles of Loans" stipulates that the issuance and use of loans shall comply with national laws, administrative regulations and administrative rules issued by banks, and shall follow the principles of efficiency, safety and liquidity.
Nowadays, more and more people have begun to have the concept of early consumption, so once there is a need for funds, it will inevitably involve borrowing. Under normal circumstances, applying for an individual loan from a bank needs to meet the following conditions.
Citizens who have a fixed residence in the location of the lending bank, a permanent residence or a valid residence certificate, are under the age of 65 (inclusive), and have full capacity for civil conduct;
have a legitimate occupation and stable income, with the ability to repay the principal and interest of the loan on time;
Have a good credit record and willingness to repay, and no bad credit record;
Be able to provide legal and effective credit cards recognized by the bank , Reliable guarantee;
Have a clear loan purpose, and the loan purpose complies with relevant regulations;
Other conditions stipulated by the bank.
What are the loan requirements?
Generally, for loan types such as personal comprehensive consumer loans and personal credit loans, the conditions for applying for a loan are largely based on the individual’s experience with the bank. Loans are issued based on your credit accumulation. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic certificates, income certificates, etc. The higher the accumulated credit, the larger the loan amount.
The personal credit report must be good
The first prerequisite for a loan is that the personal credit report is good. If the credit report is bad or has been spent, the loan will definitely be rejected during the loan review. Therefore, maintaining a good personal credit record is an important prerequisite for a loan.
How to keep your personal credit report in good condition?
01
Don’t be overdue
Whether it is repaying a credit card after swiping the card for consumption or repaying a mortgage, you must be careful not to overdue the payment. If it is overdue, not only will penalty interest be incurred, but the consumption record will also be saved in the personal credit system. Then when applying for a loan, it is easy to be rejected during the review.
02
Too many sleep cards
Many people always think that after applying for a credit card, it will not have any impact if they do not activate or use it. In fact, if the credit card you apply for is not activated, as long as the credit card is approved and the card is opened, it will be recorded in the cardholder's personal credit reporting system, and it will be affected if you want to apply for a credit card from this bank in the future. Certain cards have annual fees even if they are not activated. If you neglect this point, it is likely to result in credit card arrears and overdue payments, resulting in a bad credit record.
03
Delinquent living payment
The new version of the personal credit system has been launched. All kinds of water and electricity bills, telephone bill payments, etc. in daily life are all available. Personal credit record.
Once you do not pay on time, or even subway fare evasion occurs, in this era of real-name systems and the Internet, all your records will be recorded in your personal credit report, which will inevitably cause a bad credit report.
Only maintaining a good personal credit record is the prerequisite for a smooth loan!
Farewell to the White House
Many people always think that if they have never taken out a loan and their credit report is good, then the loan will be disbursed smoothly. However, the fact is that users who have never taken out a loan are will also be rejected.
Why? A white bank account refers to a person who has not applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.
Usually for bank accounts, when you apply for a loan, the bank or financial institution cannot inquire about your spending power, repayment ability and credit status, and cannot make objective and reasonable judgments.
Therefore, it is much more difficult for a white household to apply for a loan than for a customer with a credit record. Without a personal credit record, the bank cannot guarantee whether the borrower can repay the loan in full and on time. In order to control Banks have their own credit risks and will generally be cautious in lending. Even if they agree to lend, the amount will not be ideal.
Therefore, it is also necessary to obtain appropriate loans and handle credit cards reasonably.
How to get a large loan?
01
Don’t be overdue
Under normal circumstances, the flow rate of the salary issuance bank and the level of salary reflect an individual’s income strength to a large extent. . Those with high salaries can easily be listed as high-quality customers. Not only can they apply for a higher credit card limit, but they can also easily disburse money when applying for a loan, and the limit will also be higher.
Like the bank that distributes my personal salary, our company is first included in the bank's high-quality corporate services, and then personal salary and year-end bonus are all distributed through the bank, thus being included in the bank's Among the high-quality customers, I not only have the highest credit card limit, but also a loan limit of hundreds of thousands, and the approval is also fast.
02
Increase bank flow
What is bank flow? In fact, bank statements refer to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards), also called bank account transaction statements.
Bank flow includes three parts: salary flow, transfer flow, and self-deposit flow.
Bank turnover is not equal to salary turnover! When many people take out loans, because they don’t have a house, a car, or a job, their card application is always rejected because of bank flow.
How to increase bank flow?
A. Methods of depositing and withdrawing money
For individuals who lack bank flow, they can use the deposit and withdrawal method to improve bank flow records. Under normal circumstances, some people make deposits and withdraw money on the same day in order to have bank flow. Such behavior is invalid.
The correct way to deposit and withdraw money is to first deposit a large amount of funds into the bank. The larger the amount of funds, the better according to personal ability, and then withdraw small amounts one after another at a later stage. Be sure not to take it out on the same day.
B. Time to save money
If you want to improve bank flow, it cannot be completed in one or two days, but it will be accumulated gradually during the day, so pay attention to your usual deposit and withdrawal methods.
If you have a small amount of funds, you can choose the usual fixed deposit mode + zero deposit mode. That is, in addition to depositing a similar amount at a fixed time every month, points will be added if there are other sporadic deposits.
So, pay attention to the way you usually deposit and withdraw money, and gradually accumulate bank flow step by step, at least for 1-3 months.
With high bank turnover and large deposits, it is easy for the bank to be included as a high-quality customer, and it will be easier to get approved for a loan, and the amount will naturally increase.
03
Provide sufficient proof of assets
The most critical point in whether the loan is approved is that the bank looks at your repayment ability. If you have enough assets, it means you have strong consumption and repayment capabilities, which will naturally make it easy to get approval. The amount of assets determines the amount of the loan to a large extent. Therefore, asset certification materials are very critical.
In addition to salary income, proof of assets is also a plus. If the loan applicant has fixed assets such as houses and cars in his name, or large insurance policies, stocks, etc., he can get extra points. The provision of these asset certificates enables borrowers to obtain high-amount and low-interest loans.
If you want to apply for a large loan, you can refer to the above methods to apply for a loan.