Myth 1: You can apply for a loan only with your ID card.
Before the loan, many people will inquire about the materials needed for the loan, while some people think that they can apply for the loan only through their ID cards, especially now it seems tempting to apply for "unsecured loans" and "low-interest loans" with ID cards, claiming that they can apply for loans quickly without other materials.
Banks or other financial institutions will first consider the borrower's repayment ability when approving the borrower's materials. The ability to repay cannot be proved by ID card alone. Therefore, regardless of any loan method, even if it is the least unsecured loan, the borrower must prepare personal income certificate, work certificate stamped with the official seal of the company and other materials if he wants to successfully apply for and obtain the loan. Different banks require different materials for loan types, so borrowers need to inquire in advance and prepare materials. If the borrower is not familiar with the loan process,
Myth 2: Individuals can't get loans without credit cards or credit gaps.
When a borrower applies for a loan, if his personal credit record is not good, it will affect the success rate of the loan, but many people still think that they have no credit and cannot apply for a loan. Some people have never applied for and applied for a credit card or borrowed money. Such borrowers are "white households" of banks.
However, for borrowers who have never applied for a loan or a credit card, the credit gap does not mean that they cannot apply for and apply for a loan. As long as the borrower can provide tap water to prove his personal qualification, he can also get a loan. In addition, if the borrower can apply for a loan through some qualified guarantors or guarantee institutions, it can also be approved by the bank.
Myth 3: Credit information is the only factor that determines interest rates.
Due to the increasing proportion of personal credit information in loan applications, many people directly equate it with interest rate, and many people mistakenly think that personal credit information determines the loan interest rate.
When applying for a loan, personal credit information will have a certain impact on the loan interest rate, but it is not the only decisive factor. In addition to personal credit information, banks or lending institutions will make a comprehensive evaluation based on the borrower's income, occupation, credit and other factors, and then determine the final loan interest rate.
Myth 4: You can only apply for a mortgage loan with your own property.
When many borrowers apply for mortgage business or consumer loans, they think that they don't have their own property under their name, so they can't apply for mortgage loans. However, according to the relevant policies of real estate mortgage loan, as long as the owner of the house agrees, the borrower can also apply for a loan with the real estate in someone else's name. This situation is called "off-site loan", that is, the property under the name of others applies for mortgage loan in their own name, usually the property under the name of close relatives or individuals. The probability of getting a loan when applying for a loan is high, but the premise is that he must communicate with the owner of the property in advance to avoid disputes over the property in the future.
(The above answers were published on 2016-05-11. Please refer to the actual situation for the current relevant procurement policies. )
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