White households with credit reports mean little or no financial business records, so when applying for mortgage or credit card, banks can't know your integrity, and some banks with strict risk control will easily refuse you. So how do pure white families apply for loans? Let's talk about these contents briefly.

1, banking business

Although the credit report is an important audit voucher, it is not the only one. Pure white households can provide other application materials to prove themselves. For example, when banks handle time deposit business, wealth management business, or salary payment, when applying for loans, you should first choose these banks that have close business contacts with you, which will greatly improve the pass rate of loan approval.

2. Proof of financial resources

Nowadays, many families have bought houses and cars for their children early, and they can also provide property certificates in their own names, including houses, cars and deposit certificates. Tell the bank that you are a person with repayment ability. If you don't repay, you won't borrow money, otherwise you won't have money to repay.

3. Change ideas

There are many kinds of bank loans, and the most stringent requirement for personal credit is personal credit loans. Relatively speaking, mortgage loans and secured loans have much lower requirements for personal credit reporting. You might as well try these loan methods.

4. Find other products with low threshold.

If even the applications of local commercial banks or joint-stock banks are rejected, then everyone may wish to apply for loans from private formal financial institutions. General private financial institutions have much lower credit requirements for applicants than banks. As long as it is confirmed that the borrower has the repayment ability, basically all loans can be released smoothly.