First of all, answer directly.
If you can't get a loan from the bank, you can try online loan, mortgage loan, secured loan and family loan.
Second, the specific analysis
1, go to the online lending platform to borrow money
Most online lending platforms have personal credit loan products. Personal credit loans are characterized by quick loan release, and the loan amount can be obtained on the day when the qualifications meet the requirements. Moreover, the review of online lending platforms is not as strict as that of banks. If you can't apply for a loan in the bank with urgent money, you can try to borrow from the online lending platform.
Step 2 apply for a mortgage loan
Because of the existence of collateral, mortgage loans will be easier to pass the audit of lending institutions. As long as the qualifications are not too bad, you can still easily get the loan amount. However, the loan amount of mortgage loan is related to the value of collateral. If you want to apply for more loans, you need to provide more valuable collateral.
3. Find someone to guarantee the loan
Banks don't give the next paragraph, basically because they have some concerns about their qualifications. In this case, they can find some third parties with better qualifications to guarantee themselves. As long as the conditions of the third-party guarantor are excellent, the bank will relax the requirements for me. This is also a solution when they are in a hurry to use money.
4. Borrow money from relatives and friends
You can also borrow money from relatives and friends first. Borrowing money from relatives and friends may have no loan interest, and you will not be required to provide all kinds of loan information. If your reputation is good, borrowing money from relatives and friends can really relieve your tight financial pressure. If your income keeps up in the future, you must repay the debts of your relatives and friends as agreed.
If you are in a hurry to use money and can't get a loan from the bank, you can choose the right way to deal with it according to your actual situation and try your best to solve your economic pressure.
If you don't know your online loan application, you can try to get a big data report on "Beijian Quick Check", check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
Third, what should I do if I need money urgently in the field?
If you need money urgently in other places, you can try to apply for online loans.
Because the approval efficiency of online loans is generally high, and the requirements for borrowers are not as strict as bank loans, it is easier for people to borrow money in a short time.
Of course, when applying for online loans, we must pay attention to check whether the platform is legal, and we must choose a formal platform with a financial license to handle loans, so that security can be guaranteed.
Otherwise, if you go to some unknown small loan companies, you are likely to meet or molecules. At that time, you may not only be unable to borrow money, but also be cheated.
If you have a credit card and there is a large amount of available credit in the card, you can also choose to withdraw cash directly from the credit card.
This method can also get funds quickly.
Whether it is online loan or credit card withdrawal, you must remember to repay on time to avoid overdue.
If the online loan has big data, bad behavior will be recorded. If the credit card is overdue, it will be directly recorded in the credit report, and it will be deleted by the system after being kept for at least 5 years.
Personal credit will be damaged at that time, and then loans and credit cards will also be affected.
Second, when did you get the loan? How serious is it? Is there a solution?
You need to wait for another bank to consult the loan bank for misappropriation.
I seem to be in urgent need of 5000 yuan, and many loan platforms can't lend it. How to solve it?
Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.