Loan conditions.
How can you get a smooth loan , and the amount is high and easy to get a loan? Here are the conditions of the loan.
Personal credit must be good
The first prerequisite for a loan is a good personal credit, bad credit or spent, the loan review is certainly easy to be rejected. So, maintaining good personal credit is an important prerequisite for a loan.
How to maintain good personal credit?
01
Don't be late
Whether it's a credit card after spending money on a credit card, or a mortgage repayment, be sure to pay attention not to pay back the late phenomenon, once overdue, not only to produce a penalty interest, this consumer record will be saved in the personal credit system. Then the loan, the audit will be easy to be rejected phenomenon.
02
The sleep card is too much
Many people always think that after applying for a credit card, it won't matter if you don't activate it or use it. In fact, if the application of the credit card is not activated, the credit card as long as the approval, open or not, will be recorded in the cardholder's personal credit credit system, and later want to apply for the bank's credit card will have an impact. Some specific cards have annual fees even if they are not activated. If you are negligent in missing this point, you are likely to default on your credit card and then be late, resulting in a bad credit record.
03
Delinquent payments
The new personal credit system has been launched, and all utility bills and telephone bills are now on your credit record.
Once you don't pay your bills on time, or even if you skip a subway ride or something like that, for the current era of real names and the Internet, your records will all be recorded in your personal credit, which will inevitably result in bad credit.
Only to maintain a good personal credit is the prerequisite for a smooth loan!
Bid farewell to the white house
Many people always think that they never loan, and credit is also good, then the loan is certainly smooth down , and the fact is that never loan users in the loan will also be rejected.
Why? The first thing you need to know is that you are not going to be able to get your hands on any of the products or services that are available on the market, and that you are going to be able to get your hands on them.
Usually, for a white bank account, when you take out a loan, the bank or financial institution is unable to inquire about your spending power, repayment ability, and credit status, and is unable to make an objective and reasonable judgment.
So the difficulty of white households in applying for loans is much more difficult than customers with a credit record. Without a personal credit record, the bank will not be able to ensure that the borrower will be able to repay the loan in full and on time, and in order to control the bank's own credit risk, it will generally be prudent in lending, and even if it agrees to a loan, the amount will not be too desirable.
So it is also necessary to take out a proper loan and apply for a credit card in a reasonable manner.
How do you make a large loan?
01
Don't be late
Generally, the flow of wages on behalf of the bank, the salary of the high and low, to a large extent, reflects the strength of the individual's income. A high salary is easily included in the quality customers, not only apply for credit cards with high credit limit, loans are also easy to make payments, the amount will be higher.
Like my personal payroll bank, our company was first included in the bank's high-quality business services, and then personal wages, year-end awards are sent through the bank, and thus be included in the bank's high-quality customers, not only my credit card limit is the highest, and the loan amount is also several hundred thousand , the approval of the fast.
02
Improve bank current
What is bank current? In fact, bank current is the bank current account (including current passbook and bank card) access transaction records, also known as bank account transaction statement.
Bank current includes 3 parts: salary current, transfer current and self-storage current.
Bank current is not the same as salary current! The reason why many people are always rejected when applying for a loan is because they don't have a house, a car or a job, and the reason is because of their bank balance.
How to improve the bank current?
A, the method of access to money
For the lack of bank current individuals, you can use the access method to improve the bank current record. In general, some people in order to have a bank account, they will be the same day deposits and the same day to take out, such behavior is invalid water.
The correct way to access the money is to deposit a large amount of money into the bank, the amount of money in accordance with the individual's ability to the larger the better, and then later in small amounts to take out. You must remember not to take out the same day.
B, the time to deposit money
Want to improve the bank water, not a day or two can be completed, but usually gradually accumulated, so pay attention to the usual way of access to money.
If the amount of their own funds is not large, you can choose to usually fixed deposit mode + zero deposit mode . That is, in addition to the monthly fixed time similar amount of deposits, if there are other sporadic deposits will also add points.
So, pay attention to the usual way of depositing and withdrawing money , gradually step by step to accumulate bank water, at least accumulate 1-3 months of water before.
High bank current, more deposits, it is easy to be included in the bank quality customers, the loan will be easy to approve, the amount will naturally increase.
03
Provide enough proof of assets
Loan approval or not , the most critical point is that the bank looks at your ability to repay. If you have enough assets, it means that you have a strong ability to spend and repay, so naturally it is easy to be approved. And the amount of assets largely determines the amount of the loan. Therefore, the proof of assets documents are very critical.
Besides salary income, proof of assets is also a plus. If the applicant has fixed assets such as a house and a car in his name, or a large insurance policy or stocks, etc., it is a plus. The availability of these asset proofs can provide the borrower with a high loan amount and low interest rate.
If to you want to get a large loan, you can refer to the above various methods to get a loan.