First of all, look at what you use. There are generally two ways: one is to borrow from relatives and friends; Usually, people nowadays don't help the poor, but many people don't want to borrow money in a bad economic environment. It is better to pay interest to each other by collecting interest, which may be more convenient and everyone will not be embarrassed.

The second is loans, which are also divided into business loans and personal loans. It seems that Ping An Bank's business card is very high, provided that it is a businessman, has a business license, is a legal person and has a good reputation record in the business circle. In this case, it can run a business card with a daily interest rate of five ten thousandths; Otherwise, you can only apply for a mortgage. It seems that bank cards are very strict and difficult now. Finally, it seems that some of them belong to the packaging company, and you need to provide the scanning information of your personal account book. They will help you package your personal information and then go to the bank for evaluation.

1. mortgage loan. This method is more suitable for users with large value preservation under their names. Large wealth management products approved by houses, cars and banks can be used as pledges or mortgages for loans. Generally speaking, the value of collateral is relatively high, and the amount of loans available will be relatively large. If it is a mortgage loan, 300,000 is more than enough.

2. Apply for a personal credit loan. If you want to apply for a loan of 300,000 yuan, it is a large loan, and the loan amount that the general microfinance platform can issue can no longer be met. It is suggested that users can apply to the bank. As long as users have good credit standing and no bad credit records, they can generally apply for a loan line of 10000-300000.

: Conditions for applying for loan business:

1. natural person with age 18-65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on time.

What if the loan is not paid?

1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.