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Have you learned the precautions for sharing five loans with dry goods?
1, the mobile phone number needs attention!
The mobile phone number must be in real-name registration system.
The mobile phone number must be used for more than half a year.
It is impossible to owe the phone bills to the three major operators in the past.
The use time of mobile phone number must be normal.
2. The authenticity of the loan information!
To apply for personal consumption loans, borrowers need to provide authentic documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be tampered with. According to the statistics of most institutions, the suspicion of authenticity is a major reason for refusing loans!
3. It's important to call back!
Anyone who has applied for a credit card should know that after you submit the application materials, the bank will call back, mainly to confirm the authenticity of the materials. In fact, in the process of applying for a loan, there is also a telephone call back, but many people ignore it. I want to remind you not to call back. Often such a small detail is the real reason for your loan failure!
The reason why the lending institution calls back is to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the bank will definitely question the borrower's character and situation, which will make your loan road extremely difficult, or it will not be approved at all.
4. Cherish personal credit!
With the improvement of personal credit information system, its data is no longer limited to traditional business areas such as credit records, and its attention gradually turns to business areas that provide comprehensive social data services. Therefore, at present, more and more lending institutions compare the "credit" of loan applicants through various credit reporting agencies. Once it is included in the "credit blacklist", it is difficult to eliminate the stain. Please cherish your personal credit.
5. Work-related information requirements
Some high-risk industries are difficult to apply for, so we can only think of other ways. These are high-risk industries: coal mine, construction industry, dangerous chemicals industry, aircrew and so on.
It is best to fill in the work for more than half a year. Wage flow, work certificate, business card and work badge are all work-related materials, and submitting them will definitely help.
Mastering the above five dry goods can improve the success rate of loans. Have you learned?
In addition, everyone must choose a formal lending institution when choosing a lending institution.