The personal credit is comparable to the analogy of the "economic ID card" of the public. It can be said to be both image and appropriate. When applying for a loan, the bank will be the first to know about your past repayments by checking the credit report. If the credit report reveals a disadvantage that your repayment attitude is not positive, it shows that you have had a repayment record of three consecutive periods or six overdue periods in two years, so even if you can provide housing as a mortgage, the bank will Worried about the appearance of bad debts, and then declined your loan application. Therefore, if your past overdue behavior has left a failure for future loans, it is best to make another plan. In the form of providing collateral, you can seek help from financial institutions such as guarantee companies or pawnshops with lower application thresholds.
As everyone knows, “good borrowing and returning” is not as simple as it is verbally, and it needs to be coordinated with the strong willingness to repay and the strong repayment ability. The lending institution's ability to identify the borrower's repayment ability is mainly based on whether it has a stable and considerable income. Based on this, we often see the appearance of “bank flow” in the application materials requirements, and this is a strong proof of the income situation. Generally speaking, banks only recognize the bank flow caused by the punch card wages. They will feel a little "uneasy" for the so-called cash-receiving people. They need to provide mortgages and self-storage.Wage flow
The way to approve the loan.
Because each person's personal qualifications are different, of course, there are also friends who can't get valid collateral and can't provide bank water. Such people do not have to worry too much, and they can pin their hopes on the out-of-bank lending institutions with lower application thresholds. For example, small loan companies, P2POnline loan platform
All institutions have approved the borrower for six consecutive months, and the fixed amount is deposited into the fixed account at a fixed time each month.Proof of income
. In this way, although the borrower can turn the embarrassing situation of the loan without a door, the low threshold is often considered to be high-yield, and the borrower needs to pay a higher loan cost for this.
Can provide invoice for use
With the issuance of the notice from the banking regulatory bureau, most banks have begun to implement the strict control of the flow of funds, requiring the borrower to provide the invoice form as a proof of the authenticity of the “special funds”. In addition, on the basis of this, some banks have increased their enforcement efforts, and if they fail to pay invoices within one month after the approval of the loan, not only will the penalty interest be levied, but the loan amount will be fully recovered. Therefore, before you apply for a loan, you must have a full understanding of the bank's policies and avoid the dilemma of deep withdrawal of funds during the loan process.