What does pure white household loan mean?
A white household refers to a person who has never applied for a loan in a bank. Inquiring about the applicant's personal credit record is a basis for the bank to confirm the applicant's personal credit situation. If the personal credit record is blank, then the most important standard referenced by banks will be gone, and banks will not be able to judge the credit situation of loan applicants. This increases the risk of banks providing loans. Under the strict risk control of banks, such applicants are easily rejected.
White letter users can try to apply for a credit card first. Applying for a credit card requires a stable job at present, and pure white households can also apply. Users can continue to use the credit card for more than half a year, and repay in full and on time before the due repayment date, so as to maintain a good repayment record and a good personal credit record, and then apply for a loan more easily.
How do pure white families get loans?
1. Find a suitable lending institution.
Different lending institutions have different standards for customer orientation and risk control, so choosing an institutional loan that matches them may be successful.
For major banks, the central bank's credit record is necessary, but different products of different banks have different requirements for applying for loans. For example, the bank's running water is relatively stable, and there are work certificates, which are the assessment factors of credit qualifications. Please consult the bank staff for details.
There are also local formal microfinance companies and consumer finance companies, which have more relaxed loan requirements than banks and can choose according to their own conditions.
Most of the loan products of e-commerce platforms give credit lines according to individuals' consumption behaviors on the platforms, such as AliPay's Ant Borrowing and JD.COM. COM's JD.COM gold bars and Tencent's micro loans.
2. Apply for opening a credit card
First, apply for a bank credit card. After using the credit card, you can make up for the credit gap of personal credit investigation. If you have a stable job or a stable bank flow, then the credit cards of Bank of Communications, China Merchants Bank, China Everbright Bank and China Guangfa Bank are all suitable for white households to apply. Although the quota is low, it is relatively easy to apply for a card.
Apply for a mortgage loan
Credit loans are entirely based on personal credit, but people who have houses and cars can try to apply for mortgage loans. It is worth noting that housing mortgage loans are synonymous with large loans, generally starting from 200 thousand yuan; The main body of vehicle mortgage loan is mainly non-governmental organizations. Because of the risk of vehicle depreciation, banks pay little attention to vehicle mortgage loans.
What about white families? Credit card.
The first trick: save and save.
You can deposit a time deposit certificate in advance in a bank that wants to apply for a credit card. The deposit amount is at least 50,000, and the higher the amount, the better. This is also the way for banks to prove their repayment ability.
The second measure: the car mainly handles the owner card.
Compared with people who don't have a car, the owner's card provides less information and only needs a driving license, and the success rate of application is much higher than that of ordinary credit cards. Owners with private cars can prove their consumption level in disguise.
Note that you can only apply for a car owner's card, van or bus in your own name, but you can't apply.
The third measure: buy a bank to manage money.
The success rate of applying for a credit card will be greatly improved by purchasing the wealth management products of the bank that wants to apply for a credit card. From the bank's point of view, the initial purchase amount of general wealth management products is 50,000, which is also a proof of its own financial situation.
In addition, financial management contributes a lot to the income of banks, so for freelancers, handling credit cards is the best shortcut.