It is easier for white households to apply for internet small loans, mortgage loans, policy loans and * * * loans. A white household refers to a person who has never applied for a credit card or made a loan in a bank, and his credit record is blank. Because the bank has no personal credit record as a reference, it is impossible to judge the applicant's credit situation, so a white household is usually easily rejected when applying for a loan.

Types of loans that white families can easily apply for.

1. Internet small loan: Usually, as long as you provide personal real information, have no bad credit record and meet the credit scoring standards, you can borrow money, but you can only apply for small loans;

2. Mortgage loan: refers to the mortgage of real estate and automobile products in the personal name of the borrower to apply for loans, in order to prove to the bank that the borrower has the repayment ability to obtain loans;

3. Policy loan: refers to applying for a loan through the policy opened when purchasing insurance, and has certain repayment ability;

4.* * * Same loan: refers to the same loan with a person with good credit record and strong repayment ability, and a white household can be used as a sub-lender. This kind of loan is generally used when applying for a mortgage, and most of them are the same loan for one husband and wife.