2. Online inquiry and printing: Open official website Credit Information Center of People's Bank of China-Core Business-Internet Personal Credit Information Platform-Click "Start Now"-Register a new user-Fill in personal information-Verify SMS dynamic code-Login-Verify identity-Select a personal credit report and submit an inquiry application according to the prompts. After the credit information is processed (usually the day after the inquiry application is submitted successfully), the credit information system will send a short message with an identity verification code to the user.
How can I apply for a loan if my personal credit is not good?
1. Handling through a third-party guarantee institution: Third-party guarantee companies have long been separated from major banks and are familiar with the bank's loan process and requirements, so more and more people will choose to handle bank loans through third-party guarantee companies. If the credit information is not good enough, find a third-party guarantee company, let it specify a suitable loan scheme for you and provide guarantee services, and it will come forward to assist in handling it. Usually the loan pass rate will be much higher.
2. Choose a bank with lower requirements for credit information: Many people wonder how the bank requirements are low. But in fact, banks also have classifications. State-owned commercial banks, joint-stock commercial banks and local commercial banks. Different banks have different requirements. State-owned commercial banks don't even have to think about it in the case of bad credit reporting. Joint-stock commercial banks depend on which bank is more "accommodating", such as Ping An Bank. If the credit information is good, you can also get a loan. To put it bluntly, local commercial banks are actually "small loan companies under the guise of banks". The requirements are generally lower than other banks, but it should be noted that the interest rate will be higher.
3. Apply for a mortgage loan: If your credit information is not good, you can actually solve it by replacing the loan product. General credit loans have high requirements for credit reporting. In this case, we can choose another way of mortgage loan. Because the mortgage loan is secured by collateral, the borrower's personal qualification can actually be relaxed appropriately. However, it is very important to choose collateral, generally choose collateral with high value and strong liquidity, such as real estate.