Ping An Bank’s personal credit loan is quite good. Because Ping An Bank's personal credit loans do not require guarantees, the procedures are simple, and the approval speed is fast, it is generally good.
To judge whether a credit loan is good or not, you can look at it this way. Comparative applicable conditions: Different banks have different loan application conditions, such as credit status, income, repayment ability, etc. When applying for a loan from a loan company, it mainly depends on the ability to achieve it and personal creditworthiness. Borrowers with debts can also borrow money from banks or loan companies as long as they can provide relevant information. Compare loan interest rates: Credit loans are relatively low-risk, and loan interest rates from the same bank and in different regions may be different. Compare approval speed: Banks have more procedures and approval times are longer. Loans can be obtained as soon as approximately 20 business days. The loan company's procedures are simple and the approval process is fast. It takes 10 working days to obtain a loan. Compare loan limits.
Several common situations in which banks deny mortgage loans:
1. Loan approval failure due to poor credit record: Nowadays, most people have multiple credit cards at the same time, and there are many "card owners" Everyone has a history of late repayments. After enjoying the convenience of credit cards, they don’t care about credit record problems. In recent years, there have been many cases where banks have refused to lend due to overdue credit cards. If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention to credit problems, repay your loans in a timely manner, and do not become a credit blacklist.
2. Small loans: With the development of the Internet and big data, many people around you have begun to borrow money online. Some are turning around funds for business, and some are using loans to support loans. Although these people have good credit scores, when you apply for a home mortgage loan at a bank, the bank will require you to pay off the small loan in advance. Therefore, before buying a house, you should promptly and accurately evaluate your debt ratio, unless your income can fully support microfinance and housing loans. But according to experience, when actually applying for a loan, 95% of banks will require you to repay the small loan. After your mortgage is approved, you can apply for a small loan. Therefore, you must ask relevant questions before buying a house, because there are many cases where small loans cannot be paid and the house is checked out. (The above refers to loans on credit).
3. Consumer loans: refers to some small loans, such as computer installments, mobile phone installments, etc. No matter the amount, they must be paid off before they can apply for a mortgage, especially for single customers.
4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a home loan. If you already have a car loan, it will be difficult to apply for a home loan.
5. Whether there is low-rent affordable housing or special welfare housing for a certain period of time (regional policy): Before purchasing a house, you should determine whether there is low-rent affordable housing in the name of family members. Before buying a house, ask your family if there is such a house. If this is the case, you'd better go to the housing authority in advance to inquire whether you need to cancel or whether it can be transferred. Then decide whether to buy a house. Don’t be in a dilemma after paying money but not being able to check out.