I. Mortgage loan
For self-employed individuals who can provide collateral, mortgage loan is the most reliable. It is understood that with collateral, not only the loan is easy to pass the examination and approval, but also the loan amount is high, the term is long and the interest rate is low, but the borrower must also have a good credit record and the ability to repay the loan principal and interest in full and on time.
Second, credit loans.
Don't think that credit loans are only for wage earners. Self-employed individuals can also apply for credit loans, but they must have a business license, a good bank and a good credit. If one of them does not meet the standard, the loan may be rejected.
Third, secured loans.
If a self-employed person who needs a loan is refused a loan by a bank because of unstable income or no collateral, he can also find a formal guarantee company as a guarantee to apply for a loan. However, although it is easy to get a loan in this way, the borrower needs to pay an extra guarantee fee, so the repayment pressure is relatively high.
Credit loan information
1. Provide personal identification such as ID card;
2. Provide stable proof of address, house lease contract, water and electricity bill, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.
4. Personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, forming a verification mechanism of personal credit information;
5. The attachment can be a copy of the real estate license or a copy of the driving license, and the approval amount can be increased.