The loan has been completed, but the amount is not enough. Many friends have encountered this problem. Their expected loan amount is often far from the actual loan amount. They can't increase the loan amount. Don't worry, here are ways to increase the loan amount.
1. Don't change the loan platform frequently.
Friends who apply for a loan for the first time must carefully consider the loan platform, compare multiple loan platforms on the market, and then choose a suitable one according to their own loan needs and their own conditions. When you need a loan in the future, try to choose the same loan platform, repay on time and maintain a good credit record. In this case, it is easy for you to apply for increasing the loan amount on this loan platform.
For example, if you borrow money from a stranger, that friend doesn't know you at first, and he doesn't know what your personality is like, so he may just lend you some money. As you two get closer and borrow more money, you get to know each other better and better. And you pay back the money on time every time, then that friend will lend you more money with confidence.
Similarly, if you accumulate more loans on a loan platform, the loan platform will give you more credit, and the application for increasing the loan amount will be easier to pass. Of course, the premise is that you pay back on time every time and maintain a good credit record.
2. You can choose to change the loan type.
Credit loans rely on personal credit records and do not require any mortgage or guarantee. Banks and lending institutions bear relatively large risks, and the loan amount will naturally be limited. Mortgage loan is different from secured loan. If the applicant provides proof of collateral or guarantor, banks and lending institutions will feel that it is less likely that the loan will not be recovered, because even if the lender does not repay the loan, banks and lending institutions can still obtain repayment by auctioning collateral or looking for a guarantor. Therefore, mortgage loans and secured loans are higher than credit loans.
Therefore, if you have certain assets in your name, you can use real estate or automobile products as collateral and mortgage loans instead of credit loans. If you don't have these assets, you can also find a guarantor to guarantee you and use a secured loan instead of a credit loan. In this case, the loan amount will naturally increase.
3. Reduce the debt ratio
If there are many personal debts, such as the monthly payment of credit cards and other loans, then banks and lending institutions have reason to think that your repayment pressure is high and the risk of lending to you is relatively high. Therefore, the loan amount will naturally not be very high.
If your low loan amount is due to high debt ratio, consider reducing the debt ratio. Therefore, if you are a person who spends too much on credit cards, then you should restrain your consumption desire and save credit card consumption. Once your debt ratio is reduced, it is not difficult to increase the loan amount.
4. Keep a good credit record.
Whether applying for a credit card or a loan, a good credit record is a threshold. For a person with a bad credit record, even if other conditions meet the requirements, banks and lending institutions will not lend him money. Therefore, if you have the habit of spending money by credit card every month, you must remember to repay on time and don't discredit your credit.
The above are four ways to increase the loan amount. I hope these methods can bring some help to those who want to increase the loan amount.
How to increase the amount of bank loans?
Ways to increase the amount of bank loans: submit additional financial proof materials; Handling financial business in banks; Providing a guarantor or collateral; Reduce the personal debt ratio and pay off some loans in advance; Fill in the loan information with appropriate packaging, but don't be too far away from reality; Supply high-quality bank running water.
All the above methods can help users increase the bank loan amount. As for how much credit can be increased, the bank's audit results shall prevail, and manual intervention is not allowed.
How can we increase the amount of bank loans? You can try these ways to increase the amount!
Easier to pass can refer to the following:
1, pat on the loan. Auction lending platform, with a maximum loan of 200,000. Pure online application, no face-to-face signing, the fastest payment 1 minute. 360 IOU is a loan product launched by Qihoo 360, which mainly provides pure credit loans. The maximum loan amount is 200,000 yuan, the loan period is between 1 and 12 months, and the interest is calculated at the daily interest rate, with a minimum of 0.027%.
2360 IOUs. Pure credit loan, you can apply at the age of 18, and the maximum loan is 200,000, which can be received in 5 minutes at the earliest.
3. excuse me. Pure credit loan requires sesame score above 600, real-name registration system Alipay account phase I, and the maximum loan is 300,000 yuan.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Let's make sure to bring it up first.
4. Have money to spend. Having money to spend is a pure credit online loan service launched by Baidu Finance. No mortgage or guarantee is needed. The loan amount 1 1,000-300,000 yuan, the term is 3-24 installments, and the daily interest rate is 0.02%-0.065%.
5. Wanda Loan, Wanda Loan is a mobile phone loan APP product launched by Wanda's online loan small loan company. The loan amount is 1, 000-200,000 yuan, and the minimum daily interest rate is 0.02%.
Second, comprehensive consumer loans with individuals or enterprises as the core are an extension of microfinance in technology and practical application. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan, and the guarantee is generally required in the process of handling. The establishment of the company in China has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
Third, matters needing attention:
1. Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability. In other words, those who claim that they can lend you money unconditionally must be liars or pretenders.
2. In addition, many people ask whether they can get a loan if they have an ID card. The ID card can be replenished at any time. With an ID card, a regular loan company will not lend you money.