Through third-party guarantee institutions: third-party guarantee companies have long-term cooperation with major banks and are familiar with the bank's loan process and requirements. Therefore, more and more people will choose to apply for bank loans through third-party guarantee companies. If the credit information is not good enough, find a third-party guarantee company and ask it to specify a suitable loan scheme to provide you with guarantee services. This will help to deal with it. Usually the loan pass rate will be much higher. Choose a bank with low credit requirements: Many people want to know how the requirements of banks can be low. But in fact, banks are also classified. State-owned commercial banks, joint-stock commercial banks and local commercial banks. Different banks have different requirements. In the case of poor credit reporting, state-owned commercial banks need not consider it. Joint-stock commercial banks depend on which bank. Strong ones, such as Ping An Bank, will be more talkative. If the credit is good, you can also get a loan. To put it bluntly, local commercial banks are actually "small loan companies under the guise of banks". The requirements are generally lower than other banks, but it should be noted that the interest rate will be higher.
Apply for a mortgage loan: If your credit information is not good, you can also solve it by replacing the loan product. General credit loans have higher requirements for credit reporting. In this case, we can choose another way to mortgage the loan. Mortgage loans can be secured by mortgage, and the personal qualifications of borrowers can be relaxed appropriately. However, it is very important to choose collateral. Generally choose collateral with high value and strong liquidity, such as real estate.