According to our current ability, if there are bad debts in the credit investigation or the current overdue period is particularly serious, no matter banks, credit companies, online loans or small loans, they will not be able to lend money.
At present, black household loans with credit information can be roughly divided into the following categories:
1. Private lending, relatives, friends and acquaintances, etc.
2. Borrowing a car, the interest is quite high, and the loan amount rarely exceeds 50% of the car price. Most cars are difficult to redeem after they are taken out, and the time is short, generally not more than one month. At present, the interest is about 1 1,000 yuan, and the monthly interest is about 3,000 yuan.
3. Pawnshops can pledge loans for a series of products with high value and quick realization, such as pawn pledge and gold mobile phones.
4. Real estate mortgage. At present, there are few mortgage loans for pure black households, but some cities have such mortgage loans for black households, which also belong to the gray area, and the interest rate is very high, with an annual interest rate of at least 40%.
5.7 14 gp, there are still such loans in the market, most of which have been borrowed and no one has paid them back.
Probably these are the types of loans that black households can borrow. Don't believe the advertisement that black households are in debt in the market.
Finally, it is to ask for credit information. After paying off all overdue debts, credit information with assets can be borrowed normally in about two years, and it may take about five years for those without assets.
First of all, how bad the credit is, is it because of something wrong, overdue, inquiry, or too many online loans, and so on. , it will lower the credit score.
The general confusion of credit information is mostly due to insufficient repayment ability, which leads to overdue and long-term loans. Then in this case, it is not recommended to refinance first.
Because the loan will only increase your debt, the worse the credit information, the higher the risk, and even if you can get the loan, the higher the interest.
Of course, there are also a few people who have the ability to repay, but because credit cards have been forgotten for a long time, there are also people who confuse credit information, but rarely, this is an exception.
First, banking institutions and small lending institutions, including online loans, will find it difficult to get loans as long as the credit information is chaotic. If there is no multi-head loan, no online loan, or a few online loans, it may be possible to get a loan, but the term is often short and the interest is high, so it is not recommended.
Second: private lending.
Generally speaking, the monthly interest rate of private lending is 2-3 points. The process is relatively simple, and you don't need to look at the credit information, but you generally need the mortgage qualification, you need to know, you also need to look at your repayment ability and know your real situation.
Third: mortgage loan.
Mortgage can't be a bank at first, but only a non-bank institution, which is very relaxed about credit reporting, but it needs collateral, such as commercial housing, and the interest will be higher. Repayment period 1-5 years!
Fourth: Pledged loan
What is a pledge loan? That is to say, the collateral itself cannot be used and is placed with the lender. Not through, say, real estate mortgage, or automobile mortgage. This method is generally used for car loans.
The difference between car pledge and car mortgage is that you still have a mortgaged car and you can use it, but you don't have a pledged car.
Generally speaking, the credit information is chaotic, and the risk and financing cost of any type of loan are high. Generally not recommended!
Finally, I hope everyone will leave a message and pay attention. Thank you!
First, if the amount is not very large, you can borrow money from a small company. Generally, such companies don't look at credit information, and then they need to fill in identity information and some personal information. Generally speaking, the loan term is not too long, which is basically between 15 days and 30 days.
The second is private lending, but such institutions generally need a lot of proof, whether they have a stable job, etc. They will verify and raise interest rates accordingly.
The third is to borrow money from some lending institutions. For this kind of loan, the general lending company will prepare the corresponding information, and the success rate is relatively high. The only drawback is that the commission of the loan company is relatively high.
The last one, which is also commonly used, is asset lending. You can borrow from some big lending institutions, which requires the borrower to have corresponding assets.
The above is the way to try to borrow money when the credit is not good. Finally, I still want to remind you that after you get the money, you must maintain good repayment habits and accumulate credibility. It's not hard to borrow when you borrow it.
I want to remind everyone here! Do what you can, don't overdo it, after all, it is difficult to owe money.
If the credit information is very bad and you want to borrow it, you can only borrow it five years later. If you really need a loan, you can consider lending in the name of your relatives or making some mortgage loans. To make this kind of loan, you should keep your eyes open, find a formal mortgage guarantee company to lend, and don't meet an unreliable loan company, otherwise your collateral will be at risk of loss.
It is almost difficult to get money from the bank when the credit information is rotten, even if there is collateral. That's what banks do. They will only add icing on the cake and will never give you timely help. The richer people are, the more money they can get from the bank, the less money they need and the less money they can get from the bank. Think of other ways:
1, the best policy: find competent relatives and friends to explain the difficulties, write the IOUs, negotiate the interest and repayment methods, and repay on time. Credit information needs a lot of people, and credit can't be bad, otherwise it will be difficult to move in this world.
2, the middle policy: or find friends and relatives, good credit and willing to help you but no cash. Borrow other people's credit information, help you get a loan from the bank, write an agreement, and repay on time.
3. What to do: find a private lending institution. This kind of loan generally needs collateral, and the loan time is short and the interest is high, but there is no way. There are many people who are short of money but can't bring money from the bank. This is the value of this industrial chain. Suitable for emergency lack of money, excessive loans, and then one-time repayment from the bank after credit collection.
In short, this social credit is very important, and personal social credit is also very important. You should keep your promise and borrow and pay back. Your credit will save your life at a critical moment, so protect your personal bank credit and circle credit. Don't touch online loans unless you have to. Raising loans with loans will make people completely fall into the enemy's hands and it will be difficult to land.