① You can choose secured loans. If the person applying for a loan has problems with the credit information, the lender can choose to find a person with better qualifications who meets the bank loan conditions to guarantee himself. If you can't find a suitable candidate, you can also find relatives to guarantee yourself, or even find an intermediary company specializing in guarantee to guarantee yourself.

② You can choose to submit the asset certificate. If there is something wrong with your credit record, the person applying for a loan can submit his own asset certificate to the bank, which can prove that he has certain repayment ability. For example, a luxury car under its name or some large insurance policies approved by the bank can be regarded as proof of assets.

You can increase your down payment ratio. If you can't prove your assets, you can increase the down payment ratio of your loans, so the amount of loans will be reduced, and the risks that banks need to bear will naturally be reduced, so the threshold for applicants' qualification requirements will also be lowered.

Click to view: What should I do if the house loan credit is not good?