Applying for a loan in a bank, the amount of 50,000 yuan is not high. As long as the borrower's personal credit is good, there is no serious credit stain, and the monthly income can reach more than 3,000 yuan, it is easy to apply.

However, it should be noted that when applying for bank credit loans, we must choose the appropriate application channels.

If you apply offline from the bank, there is a high probability that you need to submit a lot of personal information, and the loan application process is troublesome and easy to be rejected. If possible, it is recommended to directly download the mobile APP of the loan application bank, and then select the appropriate credit loan product in the app to apply for a loan.

For example, the Bank of China E-loan under the Bank of China has a maximum loan amount of 300,000 yuan. Bank of China will comprehensively evaluate the borrower's credit, income, work and fixed property, and obtain the credit line after passing the evaluation.

2. Bank mortgage loan

If the borrower has a large number of valuables that can be sold for preservation, he can apply for a bank mortgage loan.

Common collateral includes houses, cars, watches and large insurance policies approved by banks. If there is nothing in the borrower's name that can be used as collateral, you can also choose to apply for a pledge loan with company stocks and bonds. The operation process and loanable amount are similar to mortgage loans.

3. Online loans

If you can't get a loan from the bank, it is suggested that the borrower can choose to apply for a loan on some online platforms.

However, the quality level of online lending platforms in the market is uneven. Borrowers are advised to check whether the institution/platform holds a financial license before applying for a loan, and never borrow from an unknown small loan company. Although many small loans have low application threshold, they are easy to encounter usury or fraudsters, and they will fall into loan fraud if they are not careful, resulting in personal money losses.

Here, Xi Cai Jun recommends a small loan APP with China Banking and Insurance Regulatory Commission consumer finance license.

Withdrawal of money: UnionPay cooperates with Zhongyuan Consumer Finance Company to provide cardholders with a pure credit consumer loan product. The borrower can apply for a loan only by virtue of his credit report in China People's Bank and the credit card slip of UnionPay Business. The loan amount withdrawn is between 654.38+0000-200,000 yuan. Submitting provident fund information can effectively improve the loan pass rate.

Ctrip Finance: a financial service platform under Ctrip. Users can apply for loans at Ctrip Finance, or book hotels and shopping in installments. The maximum loan amount that users can apply for in Ctrip Finance is 200,000 yuan, and the minimum is 3,000 yuan. If users improve the provident fund information in their personal data, it will also help to increase the credit limit.