Method 1: Small unsecured credit loan
/kloc-the loan amount within 0/50,000 is relatively low, precisely because applying for mortgage-free loans based on personal credit requires borrowers to earn more than 2,000 yuan a month, be stable for half a year and have a good credit record.
Method 2: Living in Xiamen as a family.
Within the limit of 1-65438+ 10,000, with personal ID card, household registration book and housing certificate (only one purchase contract or household registration book is required), there is no requirement for personal credit record in this business, and there is no need to punch in wages, as long as there is a fixed housing in Xiamen!
Mode 3: Xiamen mortgage loan
If you have a house and a car in Xiamen, it can also be used as a mortgage. However, due to the low quota, Xiao Liu does not particularly recommend this method. However, if the borrower does not meet the conditions for obtaining a credit loan of 10 million yuan, it can also be obtained in this way.
The loan amount of mortgage loan is mainly determined by the assessed value of collateral. For this reason, if 80% of the assessed value of collateral is above100000 yuan, it is generally not difficult to obtain the quota of100000 yuan. It should be noted that the premise of mortgage loan is that you need collateral as collateral.
Mode 4: Xiamen secured loan.
If the conditions are not particularly good and it is not so easy to get money, you can also find a guarantor or guarantee institution with a local account in Xiamen and get a loan of100000. Looking for a guarantee institution always needs to pay a certain guarantee fee. When calculating the loan fee, the borrower should take this fee into account.
In addition, borrowers need to be reminded that different borrowers are suitable for different loan methods. Before applying for a loan in Xiamen, the borrower needs to choose a suitable loan method according to his actual situation.