Have you ever encountered such a problem? You are in desperate need of money. Go to the major banks to get a loan were rejected, even credit cards can not do. The main reason is that credit is too expensive. Maybe you have borrowed online loans or overdue before, a dozen pages of credit report. What should we do in this case?

First, first of all, we need to understand our own situation. What is the reason we can not pass? Is it because of the big credit data, too many inquiries, or the bank's requirements for social security or provident fund and so on. This is the first thing we need to figure out.

Secondly, we will address it according to our relevant situation. If it is because the credit is too expensive and there are more small online loans, the first thing to do is to solve this part of the debt. Because according to the central bank, the relevant records are kept for 5 years, many people have a misunderstanding. These 5 years are not counted from the date of borrowing, but from the time we pay off what we owe. Therefore, for the sake of our long-term credit standing, this issue should be resolved as soon as possible.

Thirdly, if the loan is rejected because our social security and provident fund is broken, then we can learn more about several banks in this case. Each bank's loan products are different and updated quickly, there is always a suitable product for you.

If all three situations exist and you are in urgent need of money, then there is another way to find a formal financial institution. This institution has cooperation with the major banks and knows the loan products of the major banks, which are easier to buy than those of the banks. It will calculate the interest rate based on personal credit, but it will certainly be much lower than online loans, and the repayment period can be selected, which will relatively relieve the current repayment pressure. Even if you are not successful at the time, you can communicate with the bank's new loan products at a later stage. This update is very fast, there is always one for you. I hope to be helpful to you, there are questions you can private message me.

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