Because of personal credit problems, the approval of provident fund loans failed, so we can only apply for commercial loans first (the approval of commercial loans will be looser than provident fund loans), and then apply for housing provident fund after buying a house.
Second, how to borrow money to buy a car if there is a problem with credit reporting?
With the popularity of loans and credit cards, credit information has become more and more important, but many people's credit information has been affected. In the case of credit problems, many people still want to borrow money to buy a car. How can they get a loan to buy a car if there is something wrong with the credit information?
How to get a loan to buy a car if there is a problem with credit information
1 credit loan to buy a car
If there is a problem with the credit information, it will affect the loan to buy a car, but it will not directly refuse the loan application. Lending institutions will also conduct audits according to the degree of problems in the applicant's credit reporting. If only 1 2' s credit card is overdue, it will have little impact on the loan to buy a car.
2 mortgage loan to buy a car
If you can't buy a car through a credit loan, you can directly apply for a mortgage loan to buy a car. You can mortgage a loan and then use the loan funds to buy a car, but you need a certain amount of collateral.
If there is a problem with the credit information, you can borrow money to buy a car through the above methods. Generally speaking, if there is a problem with credit information, it will not have a great impact. However, if the applicant has a big stain on the credit information and is blacklisted, then he can't handle the car loan business in any bank.
Third, if there is a problem with credit reporting, which platform can I borrow?
There are platforms that can be borrowed if there is a problem with credit reporting: 1, and micro-loans. Micro-loan is a micro-credit product under Weizhong Bank, and users can find the entrance of micro-loan in their personal wallets. The maximum credit line reaches 200,000 yuan, which can meet the borrowing needs of most users. 2. Get a good loan. Zhaolian Good Term Loan is a personal credit product under Zhaolian Consumer Finance. There is cooperation between Zhaolian's term loan and Alipay, and users need to provide their own sesame credit score, which needs to meet more than 600 points. The maximum credit line that Zhilianhao's term loan can provide is 200,000 yuan. 3. Save it. The provincial park was developed by Shenzhen Wuyu Technology Co., Ltd. and launched in 2020. Its main advantages are no mortgage, no guarantee and low application fee. The maximum amount is 200,000 yuan, the minimum annualized interest rate is 10.95%, and the daily interest of the loan is only 0. 1. 6 yuan. 4360 IOUs. The maximum loan amount of 360 IOUs is 200,000 yuan, which can be borrowed from 500 yuan. Quick approval and quick receipt. It is understood that its daily interest rate is at least 0.027%, that is to say, the daily interest of 1000 yuan is less than 30 cents. Generally speaking, the interest rate is still relatively low.