First, don't change your phone number frequently.
Does applying for a loan have anything to do with your phone number? The answer is yes! If your mobile phone number remains unchanged for more than 10 years, you will not only become a VIP customer of China Mobile, China Unicom and China Telecom, but also enjoy the preferential policy of credit points. In financial institutions, you will also be given a few points for your credit! Imagine that you change your phone number every day. Are you avoiding debts or doing intelligence work? Although the loan officer said nothing, he must have given you a bad review in his heart.
Second, pay the water, electricity and gas fees on time.
Is there a relationship between paying water, electricity, gas and loans? Of course! Water and electricity charges are only a small part of household expenses, but they can truly reflect a person's credit situation. You don't even want to pay such a small fee. Do financial institutions dare to lend you money? You are in arrears with water, electricity and gas bills. Although the water company and the power bureau can't take you, you will know how worthless this petty gain is when you get the loan.
Third, the shopping record has oil, salt, sauce and vinegar tea.
This is the same as paying utilities and gas bills on time. Moreover, it is a general trend to apply for loans online in the future. Many financial institutions will use e-commerce shopping records as reference documents for the quality of personal credit records. Netizens who often buy oil, salt, sauce and vinegar tea (except catering workers) will think that this is a person who loves home and life. Since he is so down-to-earth, banks naturally dare to issue loans with confidence.
Fourth, truthfully answer the questions of credit officers.
Although many credit loan products can be completed in one step only by online application, it still does not rule out that in many cases, loan officers need to review the qualifications of lenders by telephone or in person. When you meet a loan officer's question, remember to be dignified and generous and answer honestly. If you are evasive or afraid to look directly into each other's eyes, you will be considered suspected of lying about the situation. Be sure to remember that all this is audited by the loan officer, and you are only one step away from the success of the loan. Please hold on and don't make any mistakes!
5. Repay on time and withdraw cash easily.
Those who successfully apply for a loan should not relax their vigilance. A loan process is not completed until the money is paid back on time. Therefore, it is very important to repay the loan on time, which will become an important reference for loan withdrawal in the future. Bian Xiao once encountered such an example. A netizen applied for a credit loan of 5000 yuan for his first trip shopping. After repayment on time, when he needed a loan of 30,000 yuan for renovation, the bank easily approved it. It seems that the curve saves the country is actually an important measure for the success of the loan.
Six, the loan information should be complete and true.
To apply for personal consumption loans, borrowers need to provide authentic documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be tampered with. According to the statistics of most institutions, the suspicion of authenticity is a major reason for refusing loans!