Debt100000 or so, and a lot of small online loans are still owed. I want to make a regular large loan to smooth these small online loans. Is there any way?

It is difficult to borrow money from large loans. You can borrow it from relatives and friends.

The normal lending order is that the big platform goes to the small platform first, so that all loans can be approved. You borrowed the small one first, but it is difficult to borrow the big one now. At present, we can only continue to keep the credit overdue, and then wait until the credit is repaired.

If you don't have a credit report, go to the bank for a loan. Don't go to the private sector or online loans. All belong to usury, and more and more. Therefore, it is still necessary to find a formal loan company loan. At least you can pay it back. Don't go to private loans when you have no choice. It will only make you more desperate. Remember to borrow from regular loans.

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The process of applying for personal loan

1. The customer applies to fill in the loan application form as required.

2. The customer submits the applicant's identification materials, including valid resident ID card, household registration book and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.

Step 3 review

① Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective. ② Whether the currency, term, amount, guarantee method and loan purpose of the credit business are consistent with the contents of the negotiation.

③ Whether the application purpose, term, amount, guarantee method and basic information of entrusted agent of credit business are consistent with the resolutions of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.

(4) Business license and other valid documents that have passed the annual examination (5) Review of mortgage or guarantee materials, whether the collateral is sufficient and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations.

4. Credit evaluation

① The overall credit status of customers, including the credit status of the People's Bank of China and social credit status.

(2) Assets and liabilities, real estate situation

③ Whether the loan purpose and repayment source are reliable.

④ Whether mortgage or guarantee is feasible.

Step 5 agree

6. Implement pre-loan conditions

7. Sign contracts, including guarantee or mortgage contracts.

Step 8 support

9. Credit registration

10, accounting

1 1. Post-loan inspection