If the debt is too high, you can apply for a loan by the following methods:

1. Find a commercial bank or small loan institution with loose requirements. Some commercial banks and small loan companies have a high debt tolerance, and there is room for lending within 70%. Let's try it.

2. Apply for credit card installment payment. High debt will affect the loan application and loan amount. If large bills are divided into cash installments, the monthly slip amount will be reduced and the debt ratio will be reduced.

3. Apply for a mortgage loan. Apply with high-quality collateral, and the loan application will be easily approved.

4. Try proprietary loan products. This method is suitable for some users with mortgage loans. Even if you are still repaying the loan and the debt ratio exceeds 50%, you can apply as long as your credit information and monthly income meet the standard.

What are the specific steps?

(1) Find a lending institution with a low threshold.

For example, a normal bank loan requires that the borrower's debt should not exceed 50%, but the requirements of some small lending institutions are relatively low, and some small lending institutions can achieve the debt ratio within 70%.

(2) Providing a guarantor

If your debt is too high, you can consider finding some friends with more assets and less debt as collateral.

(3) Find a reliable intermediary to help.

Many times, if the borrower applies for it himself, the debt ratio is relatively high and it is difficult to pass the loan review. At this time, you may wish to ask Yu to find some reliable loan intermediaries for help, because loan intermediaries have more resources and can find suitable lending institutions for you, and loan intermediaries are generally familiar with lending institutions, which can improve the pass rate.

(4) Apply for credit card replacement loan.

If the borrower's debt is relatively high, but his credit is good and not overdue, he can try to apply for a credit card or apply to the bank to increase the credit card limit. Generally, as long as the applicant has good credit, it can pass.

(5) make up for personal credit

Some friends may think that some people are obviously heavily in debt, why can they pass the loan approval? In fact, when examining customers, lending institutions should not only look at their liabilities and assets, but also frankly argue that it is very important to have personal credit records. If a person has a good credit record (not a black account, not a small white account, not an overdue customer), even if the debt is relatively high, lending institutions will sometimes issue loans to customers according to their good repayment records, so they often use credit cards to spend or borrow money, and keep a good repayment record.

Second, how to borrow money if you have too much debt.

How much do you need?

Third, how to borrow money with high credit card debt?

Generally speaking, people who spend money to buy credit information are either in high debt (with loan conditions), and it is increasingly difficult to borrow money in the end. They apply blindly or are white (no loan conditions), and they can choose which advertisement can get a loan. If there are no conditions, give up. There is no suitable loan for you. If you have the conditions, but the credit is spent, the mortgage (house/car) may help you.

4. What should I do if the bank loan debt is too high?

When you apply for a loan from a bank, you will be examined in many aspects, especially the debt ratio, which is related to the borrower's repayment ability. What if the debt is too high and the subsequent repayment will be too high?

1. Bank flow: The ability of banks to judge liabilities, in addition to credit reporting, can try to provide more kinds of bank flow under the current high debt situation, and can be adjusted if conditions permit, so as to gain something. If you have other extra income, you can provide relevant certificates.

2. Proof of financial resources: Although the current debt is relatively high, if you have a house, a car or other personal assets under your name, as long as you can provide corresponding proof, it will be very helpful to reduce the debt ratio, especially if you can change these application materials, which will help improve the loan success rate.

3. Guaranteed loan: The reason why the bank refuses everyone's loan application under the condition of high debt is nothing more than worrying about the problem of no money to repay in the future. At this time, everyone can choose secured loans, as long as they can provide banks, it is still very easy.

4. Optimize credit reporting: Many users have a high debt ratio, mainly because credit reporting shows more credit, so the approval of some bank loans is appropriately reduced.

The above is an introduction to how to deal with excessive bank loan liabilities. If in doubt, please consult the relevant institutions.