1. How to get a loan from a white account without a credit card. You can do this to buy a car.

Users who do not have a credit card and have not had a loan relationship with a bank belong to a white account and the bank has no way of knowing. How can we judge whether Bai Hu’s credit status meets the conditions for making a loan when approving a loan? Today I’m here to help you with some tips on how to get a loan to buy a car without a credit card.

How to get a loan without a credit card? Credit cards and loans are actually two different concepts. They belong to different banking products, and there are certain differences in application and approval. Generally, the loan will not be affected if you don’t have a credit card. You can still get a loan to buy a car or a house without a credit card, but the following conditions need to be met. 1. The information must be complete and true. To apply for a personal consumption loan without a credit card, the borrower needs to provide more sufficient information, such as valid identity certificate, marriage certificate, income certificate and other valid financial certificates. It is best to prepare these information before the loan. Good, and it must be true and reliable, and avoid fraud. 2. Personal qualifications must meet the standards. After the lending institution accepts the loan application, it will comprehensively assess the loan qualifications from the borrower's real estate, income, occupation, credit, education, etc. Among them, financial resources, occupation, and income are all important criteria for judging. Generally speaking, employees of state-owned enterprises and civil servants are more likely to be approved. This group of people are often regarded as "high-quality customers" by lending institutions. These groups of people do not have credit card loans. Not difficult. 3. The loan amount and term must be determined. If the borrower applies for a loan with personal credit as a guarantee, the maximum amount can reach 500,000; if a house is used as a mortgage without a credit card, the maximum amount can reach 70% of the appraised value of the house. However, these are only limitations on the maximum loan amount set by the lending institution. The specific amount that can be loaned must be determined based on the qualifications of the borrower. However, the borrower must also determine the loan amount and term based on his or her own situation to prevent repayment pressure. Too big to repay the loan. 4. Choose a repayment method based on your own repayment ability. When a borrower chooses a repayment method, it should be comprehensively determined based on his or her repayment ability and loan term. If the loan period is less than one year, you can consider one-time repayment of principal and interest. If it is more than one year, and you have high income and strong repayment ability, you can consider equal amounts of principal. If you have average repayment ability, you can consider equal amounts of principal and interest. How to get a loan without a credit card? To get a white household loan, you have to start with your own conditions. If you do the above four points, it will not be difficult to get a loan.

2. How to get a loan to buy a car without a credit card? You can do this

There are many ways to get a loan, including salary flow and insurance