First look at the detailed product introduction of bank products (including access conditions, application materials, etc.). )

Second, look at your qualifications: as follows

1, personal basic information (age, region, occupation, unit, education, etc. )

2. Personal credit information (inquiry times, liabilities, overdue)

3. Personal assets (whether there are fixed assets, bank flow, income, etc.). )

4. Corporate loans have more qualifications to check. In addition to the personal information of the legal person, it is also necessary to check the enterprise, such as: the tax bill data of the enterprise operation, the actual operation of the enterprise, the purchase and sale contract, whether it belongs to the supply chain enterprise, whether it is forbidden to enter the industry, whether there are disputes, and the basic information of the enterprise.

At the same time, avoid the following misunderstandings in applying for loans, and the success rate will be improved a lot.

1. When you apply, you only look at the interest rate, regardless of your own reality. If you see that the interest rate is low, apply, and the result is a waste of credit information and rejection;

2. Apply for products from 4 or 5 banks in a short time; Did not consider the problem of credit refusal;

3. Immediately put forward a loan to repay the mortgage; Regardless of the bank's post-loan review, it requires a one-time repayment;

4. Online loan advertisements are ordered at will on the grounds that there are more reserves, but the validity period of credit is not asked, resulting in a waste of credit information and no use of credit lines;