The risk control department of the bank will examine you from several aspects such as your work, income and credit.
So you need to test whether you can pass the bank's audit from these aspects and prove that you are a qualified or even high-quality borrower. You borrowed money, paid back the principal and interest, and repaid on time!
First: convince the bank that you can afford it.
Wage flow is a very important test basis when applying for a loan. First of all, you need to objectively weigh how much money you can borrow. If your monthly salary is only 5,000 yuan, those loan products that require a monthly income of more than 1 10,000 will definitely be difficult to apply. And some loans will have pre-tax and after-tax requirements, so you should pay more attention to this.
Of course, if you have a year-end bonus or an additional source of income, you can provide it to the auditors. If these incomes are relatively stable, the success rate of the audit can be increased. You only need to submit some written proof, such as the year-end bonus or the income certificate issued by the unit.
Second: stable work.
Banks are very concerned about the work of borrowers, such as civil servants, teachers, official staff of institutions, news, radio, television, education, scientific research, lawyers, accounting and other industries. These are all stable and good jobs in the eyes of banks.
If your job happens to be one of these positions, the chances of successful loan application will be much higher.
The key for banks to examine their own work is to examine the job stability of borrowers. Of course, if the job is stable, the guarantee of future repayment is higher.
If the nature of your job is not ideal, but the other spouse happens to have a good job, you can actually consider applying for a loan with the other spouse as the main body and repaying the loan together.
Third: convince the bank that you are a trustworthy person.
Some people say that credit is a person's second life, which is really no exaggeration. Once personal credit is tainted, the possibility of applying for a loan being rejected will be greatly enhanced.
Here are some suggestions for you:
1, the credit card must be repaid in time;
2. It is recommended to apply for less small online loans on the premise of non-necessity;
3. Try to check your own credit information as little as possible, and it is enough to check it once a year;
4. Protecting personal ID information is also an important part of protecting credit information.
Here, I would like to remind everyone, income standards, good credit, it must mean that the loan application can be successful? Not necessarily, if the debt is too high, it will also be affected. For example, if the debt exceeds 50%, it will become more difficult to apply for a loan. If the debt exceeds 70%, the possibility of being refused a loan will be very high.
Fourth, we should pay attention to maintaining credit.
If you need to apply for a loan, and you have never applied for a loan before, I suggest that you can apply for a credit card and bid farewell to the identity of credit white. We should know that not only black credit households are unpopular with banks, but white credit is also unpopular with credit managers.
Fifth: Don't falsify information. In the era of big data, you are basically transparent.
Bian Xiao has a friend who is doing wind control big data. Once asked him to check his own risk control data, he didn't know. When he checked, he was shocked. He forgot a lot of information, but it was clearly recorded in big data.
Therefore, when applying for a loan, don't be clever or falsify information. You know, the bank's risk control level is comparable to that of 007 agent. You think you are doing it perfectly, but the loan officer will find loopholes when he checks it. The risk of fraud is quite high. Once confirmed, you will become the insulator of bank loans.
Sixth: Use your assets to prove your strength.
In addition to the floating salary, the asset certificate is also quite strong, which can make your loan application much easier. Especially when applying for a large credit loan, you can use your house and car as additional evidence to prove that you are a person with assets, thus proving that your repayment ability is not weak.