White-door loans refer to loans issued by people with blank credit reports (who have never applied for credit cards or loans). Generally speaking, it is difficult for white families to get bank loans. In this case, they have to find a local formal loan company to apply for a loan.

Loan terms?

Conditions for going to the bank for a loan:

1. 18-65 citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents).

2. Work and live locally

3. At present, the company has officially registered employees who have worked for 6 months.

4, white households can operate and must pay more than 3000 yuan (social security and provident fund must be the same).

5. Punch salary every month

6, good credit (not even three tired six years)

Materials required for loan from the bank:

1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;

2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;

3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;

4. Have a fixed account in the bank applying for the loan;

5. Other requirements of lending institutions.

The process of going to the bank for loan: _

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Matters needing attention in loan:

1. Find out the products you want to borrow and the elements of each loan.

For example, knowing whether you are a mortgage, car loan or commercial loan. After determining the loan variety, pay attention to distinguish the various elements. Take operating loans as an example. Please pay attention to the longest loan term, interest, maximum amount and repayment method.

2. Determine what kind of loan you want. What the bank has may not be what you want. You should know how much you want for this loan, how long you want to borrow it, how much interest you can accept, and what kind of repayment method is suitable for you. Choose between what you want and what the bank can offer.

3. Understand what the loan procedures are and what materials need to be provided. The materials required for each product are different. Find out what materials are needed for this loan.

4. Pay attention to ask as clearly as possible when providing materials. The details of the materials are exquisite, and the bank staff knows best. Prepare according to the requirements of specific operators to avoid doing useless work.

5. Pay attention to carefully read the contract after the loan is approved and before signing the contract, clarify the meaning of the terms of the contract, and communicate in time where there are objections. After the contract is signed, keep the contract data well.

6. After the loan is successful, pay attention to the repayment time of each installment and prepare for repayment in advance to avoid overdue repayment. Overdue has a very negative impact on your credit information.

What do you mean by "white household" and "white household loan"?

A white household refers to a person who has never applied for a loan in a bank. White household loan is the act of granting loans to these people.

Generally speaking, inquiring about the applicant's personal credit record is a basis for the bank to confirm the applicant's personal credit situation.

If the personal credit record is blank, then the most important standard referenced by banks will be gone, and banks will not be able to judge the credit situation of loan applicants.

This increases the risk of banks providing loans. Under the strict risk control of banks, such applicants are easily rejected.

At this point, white letter users can try to apply for a credit card first. Applying for a credit card requires a stable job at present, and pure white households can also apply.

Users can continue to use the credit card for more than half a year, and repay in full and on time before the due repayment date, so as to maintain a good repayment record and a good personal credit record, and then apply for a loan more easily.

Extended data:

Pure white family loan method:

1. Find a suitable lending institution.

Different lending institutions have different standards for customer orientation and risk control, so choosing an institutional loan that matches them may be successful.

For major banks, the central bank's credit record is necessary, but different products of different banks have different requirements for applying for loans. For example, the bank's running water is relatively stable, and there are work certificates, which are the assessment factors of credit qualifications. Please consult the bank staff for details.

There are also local formal microfinance companies and consumer finance companies, which have more relaxed loan requirements than banks and can choose according to their own conditions.

Most of the loan products of e-commerce platforms give credit lines according to individuals' consumption behaviors on the platforms, such as AliPay's Ant Borrowing and JD.COM. COM's JD.COM gold bars and Tencent's micro loans.

2. Apply for opening a credit card

First, apply for a bank credit card. After using the credit card, you can make up for the credit gap of personal credit investigation. If you have a stable job or a stable bank flow, then the credit cards of Bank of Communications, China Merchants Bank, China Everbright Bank and China Guangfa Bank are all suitable for white households to apply. Although the quota is low, it is relatively easy to apply for a card.

Apply for a mortgage loan

Credit loans are entirely based on personal credit, but people who have houses and cars can try to apply for mortgage loans. It is worth noting that housing mortgage loans are synonymous with large loans, generally starting from 200 thousand yuan; The main body of vehicle mortgage loan is mainly non-governmental organizations. Because of the risk of vehicle depreciation, banks pay little attention to vehicle mortgage loans.

References:

Baidu encyclopedia-loan

What is a white bank account, a pure white bank account?

A bank account refers to an individual who has not applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.

Generally speaking, for bankers, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make objective and reasonable judgments.

Therefore, it is much more difficult for white families to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. In order to control their credit risk, they will generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.

Extended data:

Methods to improve the pass rate of white household loans

1. Properly handle credit cards, repay in full and on time, develop good repayment habits, avoid overdue and improve credit.

2. Improve the third-party credit score. For example, Sesame Credit and Tencent Credit have been accessed by many institutions.

3. Personal identity information is true and effective.

4. Have valid identification, fixed detailed address and full capacity for civil conduct.

5. Choose the appropriate loan amount and have the ability to repay the principal and interest in full and on time.

Baidu encyclopedia-personal unsecured micro-credit loans

Baidu Encyclopedia-Personal Credit Survey