Insufficient loan flow

When you apply for a loan, you do not meet the conditions for applying for a loan. You need good credit information and the bank's running water meets the requirements before you can apply for a loan.

Loan terms.

How can we get a smooth loan and easily make the next repayment with a higher amount? Let's talk about the loan terms.

Personal credit must be good.

The first premise of the loan is that the personal credit information is good, the credit information is not good or spent, and the loan will definitely be rejected when it is reviewed. Therefore, maintaining good personal credit information is an important prerequisite for loans.

How to keep personal credit information good?

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Don't be overdue.

Whether it is credit card repayment after credit card consumption or mortgage repayment, we must be careful not to overdue repayment. Once overdue, not only will there be a penalty interest, but this consumption record will also be kept in the personal credit information system. Then when the loan is made, it is easy to be rejected when it is reviewed.

02

There are too many sleep card.

Many people always think that it won't matter if they don't open or use a credit card. In fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, which will also have an impact on your future application for a bank credit card. Some specific cards have an annual fee even if they are not activated. If this point is ignored, it is likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.

03

Arrears of living expenses

The new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are in the personal credit information record.

If you don't pay on time, there will even be things like subway evasion. In real-name registration system and the Internet age, all your records will be recorded in your personal credit information, which will inevitably lead to bad credit information.

Only by maintaining a good personal credit information is the premise of a smooth loan!

Say goodbye to the white tiger

Many people always think that they never lend, and the loan will be smooth with good credit information, but the fact is that users who never lend will also be rejected when lending.

Why? A bank account refers to an individual who has not applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.

Generally speaking, for white bank households, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make objective and reasonable judgments.

Therefore, it is much more difficult for white households to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. In order to control their credit risk, they will generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.

Therefore, we should also make appropriate loans and handle credit cards reasonably.

How to make a large loan?

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Don't be overdue.

Under normal circumstances, the running water and salary level of the wage issuing bank largely reflect the income strength of individuals. Those with high wages can easily be listed as quality customers. Credit cards not only have a high application amount, but also are easy to borrow, and the amount will be higher.

Like the bank that pays my personal salary, our company is first included in the bank's quality enterprise service, and then my personal salary and year-end bonus are distributed through the bank, thus being included in the bank's quality customers. My credit card is not only the highest, but also the loan amount is hundreds of thousands, and the approval is fast.

02

Improve bank flow

What is bank running water? Bank running water actually refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank account transaction statement.

Bank flow includes three parts: salary flow, transfer flow and self-storage flow.

Running water in the bank is not equal to running water in wages! Many people have no house, no car and no job when they borrow money, and getting a card is always rejected. The reason is that the bank is running water.

How to improve bank flow?

First, the way to get money

For individuals who lack bank running water, access method can be used to improve the bank running water record. Under normal circumstances, it is invalid for some people to withdraw money on the same day in order to have a bank flow.

The correct posture of deposit and withdrawal is to deposit a large sum of money in the bank first, and according to the individual's ability, the larger the amount, the better, and then take out a small amount later. Don't take it out on the same day.

B, time to save money

Want to improve the bank flow, not a day or two can be completed, but gradually accumulated at ordinary times, so pay attention to the usual deposit and withdrawal methods.

If there is not much money, you can choose the usual fixed deposit mode+zero deposit mode. That is to say, in addition to deposits with a similar amount at a fixed time every month, if there are other sporadic deposits, it is necessary to add points.

Therefore, pay attention to the usual deposit and withdrawal methods, step by step, and gradually accumulate bank flow, at least 1-3 months.

Banks have a high flow of water and a lot of deposits, so it is easy for them to be included in high-quality customers. Loans are easy to approve and the amount will naturally increase.

03

Provide sufficient proof of assets

Whether the loan is approved or not, the most crucial point is that the bank looks at your repayment ability. Having enough assets means that you have strong consumption and repayment ability, so it is naturally easy to approve. The amount of assets largely determines the amount of loans. Therefore, asset certification materials are very important.

In addition to salary income, asset certificate is also a plus item. If the applicant has fixed assets such as houses and cars, or large insurance policies and stocks, he can get extra points. Providing these asset certificates can provide borrowers with high and low interest loans.

If you want to apply for a large loan, you can refer to the above methods to apply for a loan.