If the location and value of the house are ok, as long as it is not too ugly, the tap water can basically be mortgaged. Please consult the developer or bank account manager for specific suggestions. Of course, if there is a housing provident fund, it is recommended to apply for a provident fund loan. Interest rates will be cheaper and easier to apply for than commercial loans.

Second, can the first suite pay a 40% pure white household loan?

If it is the first suite, your loan can be approved. As long as there is no overdue record and you have the ability to repay, you can go to the bank to apply for a housing loan.

3. Can a white household get a loan?

White families with credit information can apply for mortgage loans. Mortgage applications are mainly audited by banking institutions. As long as you provide the lender's normal salary table, you can prove that you have the ability to repay. Of course, if the lender's work unit is an administrative department or a civil servant, it will be easier to apply.

In fact, a white household means that there is no bad record in the bank credit information system, but there is a record of applying for a loan and it is unsuccessful. So if you want to apply for a loan again, you'd better provide more information to prove your financial ability, which will be easier to handle.

There are some difficulties, but it is not completely impossible.

First of all, let's learn what a white household is.

White households refer to people who have never applied for loans and credit cards in banks, that is to say, you have never dealt with banks in terms of loans, so your personal credit record is blank and the most important standards referenced by banks are gone. For banks, the credit status of loan applicants is impossible to judge. This increases the risk of banks providing loans. Under the strict risk control of banks, such applicants are easily rejected.

How can I not be a white household?

It is very important to have a credit card or other loan record of more than 1 year and keep a good repayment record. Banks mainly look at usage records. Good credit is the premise of loan, and only good credit can pass the loan approval.

On the surface, everyone can understand the meaning of "white note on credit". There are no loan records and credit records on the user's personal credit report. The user may have applied for a loan or credit card from the bank before, but it was not approved by the bank, so it became a white credit account.

Can White Tiger get a loan?

The probability of white households applying for loans is not high, because when banks handle loan business, they mainly judge whether borrowers have repayment ability according to users' personal credit information. If the applicant is a white household, it is impossible to understand the basic situation of the user from the credit record. Banks will be extra careful when they meet white households, and may refuse users' loan applications or credit card applications. Even if some banks pass the user's loan application, the loan amount that white households can get is very low.

White tiger's personal credit report has almost no financial records. When reviewing loan applications, banks will inevitably inquire about the applicant's credit status and repayment ability from the perspective of security risk control. The credit record of white households is blank, and banks cannot judge whether borrowers meet the conditions of bank loans, nor can they determine whether applicants can repay on time, so most banks will not easily handle loans for white households.

White family loan solution

1. Mortgage loan or secured loan

If there are fixed assets under the white account name, you can apply for a mortgage loan from the bank, or you can find a guarantor who meets the bank guarantee conditions and apply for a secured loan from the bank. If the collateral provided by the applicant is valuable, or the guarantor has good personal qualifications, white households can also apply for loans from banks, but the loan amount is low.

2. Find a loan intermediary or loan company.

Most banks will reject the loan application of white households, so white households can find a loan intermediary or a loan-assisting company to handle bank credit loans. Lending companies and loan intermediaries generally cooperate with banks. For white households, this problem can be handled in advance through communication with risk control.

Get a credit card

White families can apply for credit cards in some banks with which they do business. After using the credit card for a period of time and having a credit history, they can apply for a loan from the bank. At this time, the probability of application is high. In the process of using credit cards, white households must pay special attention to credit card repayment, and must repay on time. There can be no overdue, and a good credit record can slowly wash away the identity of the white household.

4. Improve the credit rating of third parties.

White households can provide third-party personal credit scores to banks, such as providing their own sesame credit scores. If sesame has a high credit score, it is also conducive to applying for loans from banks.

The above is the situation of white household loans. It can be seen that it is difficult for white households to handle loan business in banks, but it is not impossible to handle loans in banks. Users can try to keep personal credit information before applying for a loan from the bank. When they have a good credit record, many banks are also willing to handle loans for users.