How to get a loan without a house, a car and a deposit is a complicated problem. The author briefly says a few points here:

Since there is no house, no car and no savings, what money do you need to borrow? In other words, how do you repay the loan? This is something worth considering. There are loan methods, but considering the current situation of the project, the author does not support the project loan. Moreover, if the loan is not repaid, it is likely to lead to the subject's dishonesty and lead to problems in credit reporting. Therefore, it is suggested that the main body should at least make loans on the basis of repayment.

There are several ways:

1. Bank flow: No deposit does not mean no bank flow. As long as the main body consumes normally, it can still borrow money from the bank. After all, there is running water, and no deposit does not mean that the subject has no job. The simplest method, if the main body has a serious job and the monthly salary is in the account, the bank will make an evaluation according to the running water and give the main body a loan request.

2. Online loan: Online loans here, such as Alipay Loan, 360 Finance, Suning Finance and other formal platforms, can be completed as long as the credit score of the subject reaches the platform standard, but the author hereby reminds the subject never to go to the informal online loan platform for loans, because the informal platform is not only unreliable, but also brings unnecessary trouble to the subject.

3. To sum up, after introducing the above two methods, the author still suggests that if there is no need to borrow money at present, then at least part of the repayment basis exists, for example, some deposits can be used as a guarantee for borrowing money, so that even if funds are used at work or in other aspects, repayment can be guaranteed on time. Remember, it is more important to consider how much money to borrow!

I hope more investors will speak enthusiastically in the message area to discuss and grow the future together!

No house, no car, no deposit, you can borrow money. There are actually many financing channels at present, and there are still many loan products on the market. You can consider credit cards and formal online loans.

At present, I also have no house, no car and no deposit. After the business failed the year before last, I came to Shenzhen to work intermittently. I have changed several companies in a year. First of all, let me analyze how my debt is generated. I started to get into debt mainly because of my credit card. When I first came to Shenzhen last year, I managed several credit cards in one breath, Huaxia, China Merchants Bank, Guangfa and Ping An. As a result, four families safely approved a quota of 30 thousand.

Later, I joined the work, and then I continued to apply. Basically, all funds were approved, Guangzhou 1, Jiangsu 1, ICBC 5000, China Everbright 1. This year, Guangfa approved 50,000 yuan and CITIC approved 25,000 yuan. In addition, the amount of CCB that has been used before has also risen to 47,000. Basic credit cards with jobs are good. Use credit cards. Then there is a small loan of more than 40 thousand. After borrowing 40 thousand, it rose to 76 thousand, and the interest also changed from 1.5 thousand to 1.4 thousand. Of course, there are also 360 loans, and the loan amount is more than 70,000 to 5,000. Unconsciously in debt of more than 200,000.

If you don't have a house, a car or a deposit, don't worry. As long as you have a job, you will generally apply for a credit card from a small bank, and then you will pay attention to raising the card. Generally, the amount of bank loans will increase, so don't worry about it. There is no problem with direct and formal online loans, such as small loans, IOUs and 360 IOUs. Of course, we still have to control the debt. At present, I have also embarked on the road of not paying my debts. I hope you don't want to go to into the pit, and don't touch small online loans with high interest rates, especially private loans and online anti-aircraft guns.

1. If you don't have a car, a house or a credit card, and your financial ability is poor, you are advised to live within your means and live as much as you can. Try not to apply for a loan because you don't have a car, a house or a credit card. Even if you can get a loan, the amount of approval is not high, and you have never applied for a loan before, and you have no habit of repayment, which leads to overdue and affects your personal credit information, which is not worth the candle.

2. If the economic conditions are good, you can print the bank statement and asset certificate and submit the loan application. As for how much you can approve, it depends on your specific qualifications and banking policies.

Without fixed assets, you can only borrow money by credit loans.

In addition to mortgage loans, the current conventional loan channels mainly include the following ways:

1, provident fund loan If your monthly contribution to the provident fund is relatively high (generally above 960 yuan/month), you can consider making a provident fund loan. The loan amount is usually about 50 times of the payment amount, and the interest rate fluctuates greatly according to different channels. The average bank's interest rate does not exceed 1, while the loan company may be between 0.8- 1.5.

2. Policy loan If you have a policy and pay the fee normally, you can also borrow through the policy. If the cash value of the policy is high, you can consider lending directly to the insurance company, the amount is usually 80-90% of the cash value, and the interest rate is also low, but generally the time is short, and you must pay it back in half a year. You can also borrow money from financial institutions, the amount is generally about 30 times of the annual premium, and the interest rate is between 0.65- 1.5% according to personal qualifications.

3. Operating loans If you own a business, you can make loans through the running water of the business, but the general interest rate of small and micro enterprise loans will be higher.

4. Bank reserve funds or consumer loans Now many bank apps can directly apply for credit loans. If the funding gap is not big, you can consider using bank reserves or consumer loans for loans.

5. Other online lending platforms There are many online lending platforms that can lend, such as Alipay's borrowing.

The above are some commonly used credit loans, hoping to help the subject.

Without a car, a house and a deposit, it is relatively difficult to get a loan without a person, but it is not impossible to get a loan. There are still many ways and channels.

The following points are whether there is a fixed job, and the method is as follows:

First of all, if there is no job,

Individual industrial and commercial households and legal representatives can provide their own business licenses, tax payment vouchers and income accounts; Taxi drivers can show their driving license and maintenance fee documents; Small business hawkers need to issue relevant certificates provided by the competent market department. The bank will evaluate the income level of people in the applicant's industry. For self-employed, the best proof of income is personal tax payment. The bank will consider the borrower's repayment ability through evaluation and lend to qualified applicants.

1. Provide effective bank flow.

The bank's flowing water is to transfer more than 2000 yuan every month for more than three months. Although there are no employees, it will be much easier to apply again as long as the bank flow is provided to the loan platform. It should be noted that it cannot be taken away on the same day, otherwise it will be invalid.

Step 2 apply for a credit card loan

At present, most people should have more than one credit card, which can be used to fill the funding gap. In case of overdraft consumption, you can enjoy an interest-free period of up to 56 days and repayment by installments of up to two years. For credit card withdrawal, the maximum withdrawal amount is 50% of the credit line, and the daily interest is calculated, which is five ten thousandths of the withdrawal amount, equivalent to the annual interest rate 18.25%.

3. Provide a good online shopping record.

Many loan apps accept qq or WeChat login, and even Weibo login. If these are used as auxiliary materials and the consumption records are provided to the lending platform as a reference, it is quite easy to obtain loans, because if you have a certain spending power, you will have the corresponding repayment ability.

Second, if you have a job.

More than 95% of office loans are credit loans. As long as the personal credit is good, non-online loan users can provide work certificates and bank accounts without mortgage guarantee. As long as all the information is completely filled in when applying for a loan, the next repayment will be easy. In addition, it is best to have a credit card, and the credit rate will be higher.

No house, no car, no savings. All the above conditions come from asset conditions. You can consider a credit loan. As long as you have social security, salary, provident fund and commercial insurance, these are the basic conditions for credit loans. Because the policies of banks and institutions in different regions are different, the deadline requirements for basic conditions are also different. First, the loan depends on the conditions. Second, it depends on liabilities. Third, it depends on the credit record of credit investigation. If it meets the requirements, it will be no problem to cooperate with the telephone loan approval.

If you want to apply for a loan at China Merchants Bank, you must have a local China Merchants Bank. The lender must be 18 years old and have proof of repayment ability. If the above three points are met.

1. There are personal credit loans (salary loans, direct loans above gold cards), but the requirements for borrowers are relatively high (generally high-end customers, such as customers with more deposits in our bank or civil servants). Whether you can apply, you need to contact the nearest loan department of China Merchants Bank for confirmation.

2. Please see if there are any things such as term bonds, entrusted wealth management, foreign exchange trading account funds and personal life insurance policies mortgaged to the bank under your name.

3. If it is a business venture, at present, the bank has not started personal business venture loan business.

For investment purposes, you can't apply for a loan at present.

At present, students only apply for study abroad loans.

Without a house or a car, I can only say that I can't get a mortgage loan, but I can still get a credit loan. There are several ways to get a loan, as long as you meet the requirements. You can also borrow hundreds of thousands.

You can get a loan by the following qualifications

1. If there is a provident fund, it is generally required that the payment base of the provident fund is around 800, and it is required to be uninterrupted for one year. Punch pay needs to be above 3000, which can be a bank or a public institution.

2. Pure social security, paid for a year, did not break off halfway, punched more than 3,500. This kind of loan can also be used as a bank or institution, but the debt cannot be too high.

3. Insurance policy, as long as there is an insurance policy, it will be paid for 6 months, and generally it can pay more than 3,000 yuan a year, and most institutions can do it.

4. Micro-loan, as long as you have micro-loan and used it, the micro-loan amount is generally above 3,000. This belongs to the organization. At present, there are four or five institutions that can do it, and some institutions require more than 20,000 yuan.

5. Credit card, as long as you have a credit card and the punching salary is above 5,000, you can apply and ask for a credit card limit of 30,000 for three years.

6. Punch pay, pure punch pay can be done, only institutions, the interest is a bit high.

7. Mortgage house. With mortgage house, the monthly payment can be enlarged.

8. Online loans

Online loans have bad credit and bad credit. If you can't get a loan, how can you improve your credit?

1. Understand what is the number of institutional inquiries and what is the number of personal inquiries.

Don't handle credit cards and online loans at will within six months.

3. Pay off small online loans (thousands) when you earn money.

4. Ensure timely repayment without any overdue.

5. Don't let the credit card have bad debts, stop payment or freeze.

6. Don't vouch for others

7. Don't be sued (it belongs to the scope of personal law and needs attention)

Update the credit information on 5th and15th of every month, and the big data will be updated after the credit information is updated.

If you need the loan money before, I suggest you check the big data. If the score of big data is too low, then do it again. Do not be blind. Click on the online loan when you see it. Let me show you a screenshot of big data. When you know your score, you will know that you have passed the interest rate, so you won't apply blindly.

Borrow flowers now. They are very useful in an emergency. Without assets, it should be difficult to get a loan, but in rural credit cooperatives, loans can also be made, that is, a guarantor is needed. Others can only apply for credit cards. As long as you have a stable job and make several credit cards, you will have tens of thousands of dollars. You can use it in an emergency, and the interest is higher, but it cannot affect your reputation. You should pay it back on time, after all, it's all on credit! Good luck!

First of all, thank you very much for answering this question here. Let me take you into this question. Now let's discuss it together.

Without a house or a car, I can only say that I can't get a mortgage loan, but I can still get a credit loan. There are several ways to get a loan, as long as you meet the requirements. You can also borrow hundreds of thousands.

You can get a loan by the following qualifications

1. If there is a provident fund, it is generally required that the payment base of the provident fund is around 800, and it is required to be uninterrupted for one year. Punch pay needs to be above 3000, which can be a bank or a public institution.

2. Pure social security, paid for a year, did not break off halfway, punched more than 3,500. This kind of loan can also be used as a bank or institution, but the debt cannot be too high.

3. Insurance policy, as long as there is an insurance policy, it will be paid for 6 months, and generally it can pay more than 3,000 yuan a year, and most institutions can do it.

4. Micro-loan, as long as you have micro-loan and used it, the micro-loan amount is generally above 3,000. This belongs to the organization. At present, there are four or five institutions that can do it, and some institutions require more than 20,000 yuan.

5. Credit card, as long as you have a credit card and the punching salary is above 5,000, you can apply and ask for a credit card limit of 30,000 for three years.

6. Punch pay, pure punch pay can be done, only institutions, the interest is a bit high.

7. Mortgage house. With mortgage house, the monthly payment can be enlarged.

8. Online loans

Online loans have bad credit and bad credit. If you can't get a loan, how can you improve your credit?

1. Understand what is the number of institutional inquiries and what is the number of personal inquiries.

Don't handle credit cards and online loans at will within six months.

3. Pay off small online loans (thousands) when you earn money.

4. Ensure timely repayment without any overdue.

5. Don't let the credit card have bad debts, stop payment or freeze.

6. Don't vouch for others

7. Don't be sued (it belongs to the scope of personal law and needs attention)

Update the credit information on 5th and15th of every month, and the big data will be updated after the credit information is updated.

If you need the loan money before, I suggest you check the big data. If the score of big data is too low, then do it again. Do not be blind. Click on the online loan when you see it. Let me show you a screenshot of big data. When you know your score, you will know that you have passed the interest rate, so you won't apply blindly.

The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.

Meanwhile, I hope you like my sharing. If you have a better answer to this question, please share your comments and discuss this topic with me.

Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!