Many people who have never applied for a loan in a bank are what we often call silver bankers. Then, can a white bank account apply for a loan? What conditions must a bank loan meet before it can be loaned?

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 empty, then the bank's reference standard will be gone, and the bank will not be able to judge the credit situation of the loan applicant. This increases the risk of banks providing loans. Under the strict risk control of banks, such applicants are easily rejected.

White letter users can try to apply for a credit card first. Applying for a credit card requires a stable job, 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.

Or white bank households can apply for loans from local regular loan companies. Although you apply for a loan from a loan company, you also need to meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct;

2. I can provide my valid identity documents;

3. Have a stable job and income and the ability to repay in full and on time;

4 can provide collateral or guarantee that meets the requirements;

5. Other conditions required by the loan company.

What does white household loan mean? White families can also get loans if they meet these conditions.

Many young people who have just entered the society may not understand the meaning of white-collar loans. White-collar loans are like "silly sweetness" in loans, which means that people who have never applied for credit cards or loans can also apply for loans. Credit white-collar families can also apply for loans under certain conditions.

To put it simply, the so-called white-door loan means that people with blank credit reports (people who have never applied for credit cards or loans) apply for loans.

For white credit families, the standards considered by banks are not consistent with citizens' self-cognition. It is a credit loan, focusing on the good personal credit of customers. If there is no credit record belonging to white households, it is impossible to distinguish the credit situation of customers, and there are potential adverse risks. In order to avoid this situation, some banks will pay special attention to white letter users when reviewing loan applications and credit card applications, and the approval rate will not be too high.

Conditions to be met by white family 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. Although you are looking for a loan from a loan company, you also need to meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct;

2. I can provide my valid identity documents;

3. Have a stable job and income and the ability to repay in full and on time;

4 can provide collateral or guarantee that meets the requirements;

5. Other conditions required by the loan company.

Editor's Note: After understanding what the loan for white households means, let's see if you meet the requirements of the loan for white households, choose the appropriate loan products, cultivate good credit habits, and start your new consumption pattern. To provide you with a wealth of loan products, quickly match the right loan products, low threshold, fast lending, you deserve it.

What conditions do white households need to meet when buying a house with a loan?

If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5. Provide effective guarantee recognized by the lender, etc.

For details, please consult the local branch of Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.