1. Sure, you can go. After all, banks have many loan products. If you apply for a pure credit loan, the requirements for personal qualifications will be higher. But if you apply for some mortgages, you don't pay much attention to debt. As long as there is not much problem with credit reporting, it can generally be approved. For example, housing mortgage and vehicle mortgage loans are still relatively easy to apply for.

2. First of all, there is a funding gap. The first thing that comes to mind is bank loans. After all, the interest on bank loans is relatively low, and many low-interest loans come from banks. Therefore, it is wise to choose a bank loan. Don't apply for some online loans, otherwise the high interest rate will make you unbearable.

1. Although the bank's interest rate is low and the cycle is long. However, the audit will be stricter, so many people do not apply for bank loans for fear of being rejected. But how do you know until you try? You can go to the bank outlets for consultation and the corresponding loan policy.

2. If the verification passes, apply. Even if it is rejected, it is nothing more than a query record on credit information, which has little impact. Compared with the previous bank credit business, there are more now. Before you go to the bank for a loan, you must have collateral, otherwise you will not even be eligible to apply.

But now it is basically liberalized, and all kinds of pure credit card loans have come out. Common ones are e-staging for industry and commerce, e-lending for financing, e-staging for China Construction Bank, e-staging for Bank of China and so on. Of course, commercial banks also have many pure credit loans.

4. However, the qualification requirements of credit loans for customers are still relatively high. For example, you must have a social security provident fund to apply, and you can apply if you have a house, a car and no mortgage. Of course, debt is more important. If the debt is too large, it will also be rejected. However, this debt is based on personal qualifications and credit.

For example: For example, you have a credit line of 500,000 yuan in the Agricultural Bank, but your current debt is only 200,000 yuan, so you can apply for a loan from the Agricultural Bank, or you can have a credit line of 300,000 yuan. However, if your credit line in ABC is only 654.38+million, then your debt is already 200,000. If you apply for agricultural loans at this time, you will definitely be rejected.