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Frequent application for small loans will have an impact on personal credit records, and the number of loan applications is also a standard for lending institutions to judge the debt situation of loan applicants. Too many loan applications will make lending institutions think that applicants' income is lower than their expenses, so they will not lend.
To apply for a loan, the following conditions must be met: a natural person with age 18-65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information and no bad records; Other conditions stipulated by the bank. To apply for a loan, the following conditions must be met: a natural person with age 18-65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information and no bad records; Other conditions stipulated by the bank.
It is recommended not to apply for small loans frequently. If you often apply for a small loan, you may not be able to apply for a bank loan again, because banks discriminate against small loans.
If you need money urgently, you can apply for a small loan from a regular state-owned bank. For example, at present, the loan amount applied by our one-card savings card (debit card) is generally not less than 50,000 yuan. If you need to apply for a small loan of less than 50,000 yuan, I suggest you apply for/increase the credit card limit as much as possible, or apply for a good loan business.
China Construction Bank provides customers with better and more convenient micro-loans, with a maximum loan of 50,000 for ordinary customers. If it is a slightly better VIP user, the maximum loan can reach 500 thousand. The loan method of CCB is a little more complicated because the process has to go through relevant procedures.
At present, China Guangfa Bank has launched some Internet credit products, and the generally better one is the E-second loan of China Guangfa Bank, which is a revolving credit model, and a revolving credit line can be obtained for several years with one application. The maximum loan amount is about 300,000. Although the interest rate is slightly higher, it is suitable for some office workers and private enterprise owners, and they can also get corresponding ways to raise funds quickly.