From a practical point of view, the basic conditions for loans are:

1. Chinese mainland residents, under 60 years old;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. There is no bad credit record, and the loan cannot be used for stock trading, gambling and other behaviors;

5. Have full capacity for civil conduct.

Through the following ways:

1. Repay on time

Banks and online lending institutions are willing to lend to borrowers with good credit and can repay on time. This kind of loan risk is relatively low, so friends who are overdue or in arrears should remember to pay off their debts before applying for a loan, which is conducive to loan application.

Get rid of white families

Compared with white households, borrowers with loan records have higher impression scores, and white households have no audit targets, so lending institutions cannot judge. In order to speed up the audit, Bian Xiao thought that everyone can apply for a credit card first, use the credit card to maintain credit, and repay the loan on time, and then apply for an online loan for comparison.

3. Don't apply for loans frequently.

Have you ever thought that there are too many online loan applications because the online loan application is not approved? Maybe you need money badly, apply for a loan many times, or apply for an increase in the quota many times. Every application will check the credit information. There are too many credit inquiries. Considering that you need money urgently, it is risky to lend money, so it is not appropriate to apply frequently.

4. Prove economic ability

When applying for online loans, some of them need bank flow. At this time, in addition to submitting the salary flow, you can also submit other income certificates, such as part-time income, automobile production and real estate, or income certificates for opening a shop. In short, as long as you can add points for yourself, you can provide them. The more, the better.

5. Pay attention to mobile phone contacts

Mobile phone information is indispensable for online loan application. Many netizens don't pay attention to it and just fill it in. In fact, your mobile phone number and contact information have a great influence on the loan. Don't fill in contacts who don't call often, but also write commonly used mobile phone numbers to ensure your stability.

6. So, friends who have been complaining about the failure of online loan review have noticed the above points? Besides these other aspects, we should also know more about them. Before applying for a loan, you should ensure that your own conditions are good and the success rate of applying for a loan is high.