Yes

No job will really affect the loan, but if you choose the right way, you can make the same payment. Don't be limited by your own thinking. Bian Xiao compiled some methods as follows:

(1) mortgage loan

Houses, cars and insurance policies with cash value in their own names can be used as mortgages to apply for loans, and many banks do not need to check the running water for mortgage loans.

1, real estate mortgage loan

The amount of real estate mortgage loan is mainly related to real estate assessment value, loan ratio and real estate type. The maximum loan amount of commercial housing is 70% of the house valuation.

2. automobile mortgage

It is necessary to investigate the amount of vehicle mortgage loan and evaluate the residual value of the vehicle. Considering various factors comprehensively, the evaluation of the lending institution shall prevail. For example, the maximum application amount of Ping An car owner loan can reach 90% of the vehicle evaluation value, and the maximum amount is 500,000.

3. Policy mortgage loan

Policy mortgage usually refers to a policy with cash value. You can apply for a short-term loan from an insurance company, which generally does not exceed half a year and does not exceed 80% of the cash value. Policies with cash value usually refer to life insurance, long-term critical illness insurance, endowment insurance, annuity insurance and other policies.

(2) secured loan

For borrowers whose personal qualifications can't meet the requirements of the bank, they can find others or guarantee institutions to guarantee themselves. As a guarantor, the credit status is good and the income is high. For guarantee institutions, to find a formal and well-documented guarantee company, guarantee institutions generally charge a high guarantee fee to see whether they accept it or not.

(3) Credit loan

Credit loans are pure credit loans, with relatively low thresholds and relatively simple procedures. It is good to handle it directly through online channels, but the amount will be relatively lower. Here are some credit loan products (in no particular order, for reference only).

1, e-loan from China Merchants Bank

The maximum amount of e-loan for China Merchants Bank is 300,000, and the number of optional periods is 3, 6, 10, 12, 24 and 36, with the highest rate of 0.75% for the 36th period. After the successful application, the loan will be released within 48 hours. Specific rates and applicable amounts shall be subject to system evaluation.

2360 IOUs

360 IOU is a credit product of 360 Group, with a maximum amount of 200,000, which can be divided into 24 installments at the longest. The lowest annualized interest rate can reach 7.2%, and the loan can be released within 5 minutes at the earliest. The specific rates and amounts are subject to the examination and approval results.

3, the degree of small full financial.

Xiaoman Finance is a consumer credit product owned by Baidu, with a quota ranging from 500,000 to 200,000, with daily interest, and the minimum daily interest rate can reach 22,000. You can borrow and return with it, and the number of optional periods is 3, 6, 12. The specific rate and applicable amount depend on the system evaluation.

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No job. Why?

It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.