1, Baihu: Baihu is a person who has never had a bank credit repayment record. This kind of personnel bank is most afraid of. Because there is no repayment record, no performance record, and no asset certificate, it is difficult for such people to tell whether they have the willingness and attitude to repay, so it is even more difficult for Baihu to get a loan.
2. Have repayment records or performance records: If you apply for a loan from a bank and have repayment records of credit cards or other loans for more than 6- 12 months, the bank is more at ease, which can prove that you are willing to repay, know how to default on repayment and understand the importance of credit reporting!
3. There are overdue records or blacklists: to apply for this kind of credit card, banks mainly look at the overdue records in the past two years, whether there are three consecutive tired six. If the credit information is good within two years, it depends on the credit information records within five years, whether there is a blacklist or other things, such as blacklisting within five years, unpaid for three consecutive months, or bad debts, and so on. You can't get a credit card or loan from the bank!
Look at the overdue record of the loan within 5 years!
4. Application record and debt ratio: When people are short of money, they will apply for a large number of credit cards, loans, online loans, mortgage loans and other behaviors. If you don't apply once, you will be recorded in the credit report. Therefore, within 6 months, the number of applications will not exceed 3 times, which is a good performance of credit investigation!
Second, the bank attaches great importance to your repayment source! 1, Whether the work unit is of high quality: banks give priority to civil servants, institutions, state-owned enterprises, central enterprises, listed enterprises, joint-stock companies and government agencies. These people have stable jobs and stable incomes, and generally do not leave their jobs easily!
2. Unit position: It is also very important for the position, because the credit multiple of grass-roots employees and senior leaders can reach up to 50 times, with a difference of only 50 times. For example, the credit of grassroots employees is 5,000 yuan, and the credit limit of senior leaders may reach 30W. The difference is so obvious, and the tolerance is greater!
3, social security provident fund: people with social security and provident fund, loans are easier, the unit is good, and the social security provident fund base is high, so many banks will refer to this standard!
4, loans look at running water: personal running water is also a strong proof, these can be created by themselves, not much to say here! But remember, the agent said it could be fake water and suggested not to spend money.
To put it simply, the loan depends on whether it is a mortgage loan or a credit loan!