According to Bian Xiao, having no credit history doesn't mean you can't get a loan. Although most banks and lending institutions will clearly stipulate that "white letter users are not accepted", this does not mean that you must not apply for a loan if you have a credit gap. The credit gap only means that the personal credit center does not have your credit record, and it does not mean that your credit record has a bad credit record.

Second, what if there is no credit record?

1. Select the appropriate lending institution.

Although lending institutions without credit records cannot directly know the borrower's credit status, some lending institutions still refuse the loan application of credit white households. Therefore, there is no way to lend without a credit gap, and suitable lending institutions can still apply.

2. Choose a mortgage loan.

For people with credit gap, the appearance of collateral can make up for the shortage of credit gap, so if collateral recognized by banks can be provided, the success rate of obtaining loans is still very high.

3. Apply for a credit card.

Nowadays, credit card is almost a "necessity" of life, so if the borrower is a white credit household, try to apply for a credit card to alleviate the temporary financial problem.

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