Yes, in this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. For example, the pre-loan review will be more severe, examining whether there is collateral under the borrower's name, whether there is real estate, and whether the nature of work is stable. The following are related to illegal households and can be selected according to their own conditions:

1. Intermittent loan. In this case, the loan department may require the borrower to provide more proof of repayment ability when handling the loan. For example, the pre-loan review will be more severe, examining whether there is collateral under the borrower's name, whether there is real estate, and whether the nature of work is stable. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount as appropriate.

2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds.

Formal channels have been established to apply for loans, such as the Agricultural Bank of China. Netjet loan is defined as a small consumer loan issued by agricultural cash loan to individual customers of Industrial Bank who meet certain conditions. Customers apply for it by themselves, receive it quickly, automatically approve it, and use the letter by themselves.

Basic conditions of application

1. At least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct.

2. Hold legal and valid identity documents.

3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported)

4. Good credit status,

5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.

6 stable income, with the ability to repay credit on schedule.

7. The loan is used reasonably, and the loan amount applied by NetJet is clearly 3,000-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.