No credit card doesn't mean no credit. If it is a white household, it can also borrow money according to the requirements of various lending institutions.

Policy loans are currently divided into several forms.

1. You can make an unsecured credit loan from the bank.

2. You can apply to the insurance company for a short term.

3. You can apply for unsecured credit loan from the guarantee company.

Requirements for policy loans:

1. Stable income and work;

2. The insurance policy has been paid for a certain number of years;

3. Personal credit information is in good condition.

The main factors affecting policy loans are:

1. Payment term of the insurance policy;

2. The payment amount of the policy;

3. The nature of the paid policy;

4. Personal income;

5. Credit information.

Precautions:

Without a credit card, credit information can also be reflected in the situation with other financial institutions.

The peony card of driver's license in some places also belongs to the category of credit card.

Individual lending institutions can also apply for loans for white households.

Second, do social security loans look at liabilities?

Social security loans must check whether the borrower is in debt. In addition to social security loans, any formal loan platform needs to check the borrower's credit information, because these loan platforms need to check whether the borrower's comprehensive qualifications are "high-risk customers" through the borrower's personal credit information. Social security loans are generally formal loans, and checking credit information is affirmative. The borrower's personal credit information needs to have no bad records, and there can be no records of overdue or repeated loans.

Third, do social security loans look at liabilities?

Look at debt.

As long as it is a loan, you need to look at the debt. Many intermediary companies say that they don't look at debts, but they are actually fooling people. Behind them, we also need to look at the applicant's credit status and see how much debt can be reflected in the credit. After all, if the debt is too high, it has exceeded the applicant's affordability, and the risk of lending out is very great.

Fourth, provident fund loans look at liabilities.

Apply for provident fund loan 4

① The loan applicant opens an account in the provident fund management center;

② The account has been opened for more than 65,438+0 years and paid in full for 65,438+02 consecutive months.

③ Currently in deposit status;

(4) apply for funds and discount loans.

Special circumstances: A borrower with a Beijing hukou can apply for a loan from the provident fund management department of the place of employment if he uses the provident fund deposit to purchase the first house in another place.

I hope I can help you, I hope.