2. Users can apply for asset mortgage, such as mortgage with related assets such as automobiles. Generally, it is common to apply for housing or automobile mortgage, which is very suitable for users with poor credit records.
3. Users can also handle some credit products of some non-bank financial institutions, but these financial institutions are also relatively formal.
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Find ways to eliminate bad records, there are several ways to get loans:
1. Handle mortgage and pledge loans.
For people with bad credit, it is difficult to apply for loans from financial institutions only by relying on their own credit. So you can consider applying for a mortgage loan. Generally speaking, real estate, cars, valuable antique calligraphy and painting, and the equity of listed companies can all be used for mortgage loans.
2. Choose an online lending platform with low threshold.
At present, there are also some online lending platforms with lower thresholds for everyone to try, and there is a possibility of success if the credit is not good. However, the lending amount of online lending platforms is often relatively low, especially for people with poor credit. Sometimes, the loan amount you can get is only a few thousand yuan, or even a few hundred yuan.
3. Wait for the credit record to be eliminated.
According to the regulations, when everyone pays off the debts, the bad credit records will be automatically eliminated after 5 years. Generally speaking, there is a bad record of more than 2 years, which has little negative impact on everyone. Therefore, after the bad record is eliminated or the negative impact is weakened, you can apply for a loan.
It is best to go to a bank or a formal guarantee company to apply for a loan. Private lending and software APP loans are now very risky;
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) permanent residence of urban residents with full capacity for civil conduct or valid ID card of 18 years old. The age of the lender required for bank loans is generally between 18-60.
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.