However, some online loans say that they are not mortgaged, as long as they have ID cards. Personally, I think this method should not be tried.

There are deep and full pits everywhere, so we still need to be cautious in lending.

I'm not a financial expert. I suggest you consult a professional. In addition, you should also consider your repayment ability. It will be very difficult if we cut off the supply and then return. What the loan is for, whether it is used for starting a business or something else, whether it is necessary, and whether it is sure to repay the principal, all these should be considered.

In short, be careful.

good luck

Lao Liu is happy to share his knowledge about credit with you. As you said, if you don't want to mortgage collateral, you can solve it through credit loans and credit cards.

As the name implies, credit loan is a short-term personal consumption or business loan provided by the borrower without mortgage and guarantee. The loan term generally does not exceed five years, and the annualized interest rate ranges from 5% to 24%. Since there is no need to provide collateral and guarantor, the basis for issuing credit loans is your personal credit information, and whether you have a legitimate occupation and a stable source of income.

Generally, to apply for a credit loan, you need to meet the following conditions: monthly mortgage payment, full payment, punch card salary, provident fund and insurance policies of major insurance companies. If you have a real estate now, you can also apply for a credit loan in the name of a decoration loan.

Credit card The essence of credit card is the recycling of microfinance. The advantage of a credit card is that it can be recycled within the validity period, and there is no need to apply frequently. The disadvantage is that you need to apply in advance to use it. If you need 200,000 yuan, you may need colleagues to apply for several credit cards to reach the amount you said.

In short, if a person has a stable job or normal business behavior, it should not be difficult to need a loan of 200,000 yuan.

Find a rich man as a guarantee.

The reason why you don't want to mortgage is that you don't have a house or a car to mortgage, or you don't want to mortgage if you have a house or a car?

If you have a house and a car and don't want to make a mortgage, is it because your spouse doesn't agree, or do you just want to borrow a credit loan, because the credit loan can't be repaid, which will affect the credit investigation at most, but the mortgage loan may make the house and the car mortgaged and will be auctioned without repayment.

What kind of situation are you in now? Generally speaking, the interest of mortgage loans is generally lower than that of credit loans, especially bank mortgages.

Then you obviously don't lend at a lower interest rate, but you want to borrow at a higher interest rate. Why do you do this except that you didn't want to pay it back at first?

Mortgage, insurance policy and social security are all the same. As long as the credit is good, you can borrow more than 200 thousand.

If the policy is well planned, a policy can make millions of policy loans. After all, it is much easier to buy an insurance policy than a suite. Therefore, ordinary people should give priority to the dual functions of policy guarantee and loans, but 80% or even more than 90% of families have not made careful plans in advance, which leads to very passive in the later stage.

You can use a credit loan. The premise is that your credit information is good!

The order is very important: credit card, credit loan and mortgage loan.

What are the common credit loan products of banks? (What qualifications are required for application)

Banks operate credit management and risk management.

Credit loans are unsecured and unsecured loans, and banks mainly issue corresponding loans according to customers' qualifications and credit status.

The common credit loan products of banks mainly include the following:

1. Wage loan: paying wages on behalf of others.

Second, policy loans: commercial insurance.

Third, monthly payment: a house with a national mortgage.

Fourth, provident fund loan: deposit the provident fund.

Verb (abbreviation of verb) decoration loan: there is a property under the name.

Banks need to know the following information about customers (so-called customer audit):

1, understand the customer's work? (Is it stable?)

Work or business?

Work: What unit? How long does this unit work?

Industry and Commerce: How long will the business license be registered? How long does it actually run?

2. Know the assets and income of customers? Assets are the embodiment of repayment ability, which adds a protective barrier to the source of repayment.

Go to work:

A.do you have a payroll? How much after tax? (Understanding income)

B.is the social security accumulation fund broken? What is the base of social security accumulation fund?

C. Does the customer or spouse have commercial houses all over the country? Where is the property? How much is it per month? What bank loans? How long will the mortgage last? Do you have commercial insurance in your name? Which company is it from? Monthly payment or annual payment? How much do you pay each month/year? How long has it been handed in? Is there a car in the name? (Understanding assets)

Business:

A.do you have a business license? How long will it last?

B.is there any tax? How much is the annual tax? How many invoices are issued each year? How much water do you run every month? What is the turnover? Is there any lawsuit under the name? Who is the legal person? What is the share? (Understand the quality and stability of the company's operation: the source of repayment)

C. Are there any other assets (house, car, insurance policy) in the name? (Understanding assets)

3. Understand the customer's liabilities? (Debt ratio)

A.do you have a loan in your name? Which bank's loan? How much did you borrow? When is the loan? How much is it per month?

Do you have a credit card? How many/much? What's the total? How much is used at present? (whether it is maxed out)

4. Know the customer's credit information? (Good or bad credit)

A. Are the loans and credit cards overdue?

B.what loan did you apply for recently? Number of inquiries?

C. Is there an online loan? How much is the online loan

(Credit history directly determines whether the application can be successful? )

It is recommended to consult a regular bank, and do not consult related online loan business online.

If you don't want to mortgage, it is a pure credit loan. To sum up, there are several ways:

One: There are many online loans with high interest rates, such as loans, micro-loans, JD.COM lines, credit card cashing, etc. However, the interest rates of these loans are between 30,000 and 50,000, and the annual interest rate exceeds 10%, which is a high-interest loan. To put it simply, the annual interest on a loan of 200,000 yuan should be around 20,000 yuan! Emergency turnover is ok, but long-term use is not recommended!

Two: provident fund loan The amount of provident fund loan is about 65,438+00-300,000, but the premise is that you have paid the provident fund, and the amount cannot be too low! The interest rate of the provident fund is low, and the service life is 3%-5%, which is lower than the housing commercial loan, and it is a high-quality loan! However, provident fund loans are conditional. First, you must pay the provident fund. Secondly, the amount paid must reach a certain amount. If you want to borrow 200,000 yuan, the payment of the provident fund must be around 1 1,000 yuan (individual), and major banks will screen the customers of the provident fund. Civil servants, teachers, employees of state-owned enterprises and local leading private enterprises are all high-quality customers, and the application is easier to pass!

Three: company business loan You can register a company. It is very simple to register a company, and you can get a business license in 3-5 days. Because of the epidemic, the state has given great support to small and micro enterprises this year. If there is a running company, the application is simple and easy to pass, and the interest rate is very low. The time is about 3%. If there is no running water, it is just a short-selling company, which may be a bit troublesome to operate and may require the operation of a third-party microfinance company! Specific operation can consult the local loan company!

Decoration loan If you happen to have a house under renovation, you can apply for a decoration loan. All major banks have decoration loan business, and the age is about 3%. However, after applying for this money, it will not be paid to your personal account, but to the account of a third-party decoration company. If you happen to know a friend of the decoration company, you can withdraw it reasonably!

The above loans are unsecured loan channels, depending on how you choose, but no matter how you choose, your credit reference must be qualified, and it is very important to maintain a good personal credit reference. In addition, if you go through the banking channel, it may be difficult for individuals to reach it. You may want to consult a small local company with a third-party loan. They can go through the bank channel, but they have to charge a certain fee, but compared with high-interest credit loans, the money is still worth it. Finally, if you want to apply for formal bank loans, it is best to tighten the bank loan business in the first half and the second half of the year, which may be more difficult to apply!

1, you can use a credit card.

2. There are companies that can do business with loans, online merchant loans in Alipay, and online merchant banks.

3, money to spend, 360 these.