Deception 1: Choose the right loan product according to the salary situation.
When applying for a loan, running wages are an important basis for review. With a monthly salary of 5,000 yuan, never choose a loan product that requires a monthly income of more than 1 10,000 yuan. The bank will definitely despise your lack of vision. Some loans will have pre-tax and after-tax requirements. You might as well take a closer look before applying for a loan.
TIPS 1: In addition to running wages, you can also show your own social security and provident fund deposit records. The longer the term and deposit amount, the more you can convince the bank that you have a stable job and sufficient repayment ability.
Deception 2: protect personal credit information.
Personal credit is as important as a second face when applying for a loan. Once personal credit is tainted, the risk of loan application being rejected will be greatly enhanced. As a lender, you can check your personal credit information once a year, correct the wrong information in the report in time, and form the habit of repaying on time. If you don't owe money or overdue, the bank will naturally give you the green light!
TIPS2: Protecting personal ID information is also an important part of protecting credit information. If the ID card is not reported in time, or it is easily lent to others, it is easy to get a loan. Although it can be solved through adjustment or prosecution, believe me, you don't want to get into such trouble!
Deception 3: develop good credit card habits at ordinary times.
If you need to apply for a loan, and you have never made a loan before, Bian Xiao suggests that you apply for a credit card and bid farewell to the status of Xiaobai Credit. We should know that not only black credit households are unpopular with banks, but white credit is also unpopular with credit managers. After receiving a credit card, rationally swiping the card and repaying the loan on time can naturally improve the success rate of approval when applying for a loan.
Deception 4: Don't cheat and answer the loan officer's questions truthfully.
When applying for a loan, don't be clever and don't cheat on information. You know, the bank's risk control level is comparable to that of 007 agent. You think you're doing it perfectly, but the loan officer will find a loophole when he checks it. The risk of fraud is quite high. Once confirmed, you will become the insulator of bank loans.
Of course, not cheating also means that you have to please the credit manager, and you can answer every question truthfully. Proper manners and conversation will definitely give you extra points!
Deception 5: Show proof of assets
In addition to running wages, asset certification is simply a killer, which can dispel many concerns and hesitation of credit managers. Especially when applying for a large credit loan, Bian Xiao strongly recommends it. The house and car in your name can be used as additional evidence to prove that your assets are excellent and you have very good repayment ability.
In fact, banks are not a scourge. If you open the door, you will naturally make money. If you apply for a loan, you will earn interest, which is actually a win-win situation. Netizens with loan needs, learn this secret book, and you can safely and boldly knock on the door of the bank!