1. Mortgage loan: Mortgage loan refers to the borrower taking his own property or other valuable assets as collateral to obtain a loan. With collateral as a guarantee, banks or financial institutions can evaluate the credit status of borrowers without relying too much on credit reporting.
2. secured loan: secured loan means that the borrower finds a guarantor, who provides guarantee for it and assumes the responsibility that the borrower cannot repay the loan. In this case, banks or financial institutions pay more attention to the guarantor's credit status than the borrower's credit record.
3. Credit card loan: Credit card loan refers to obtaining a loan by withdrawing cash from a credit card. Credit card loan products provided by some banks or financial institutions may not need to upload credit information, but evaluate the loan application according to the cardholder's credit card consumption record and repayment record.
It should be noted that although these loan products do not need to upload credit information, banks or financial institutions will still evaluate the borrower's credit status to ensure that the borrower has the ability to repay on time. Therefore, even if there is no need to upload credit information, the borrower's credit status is still one of the important factors in obtaining loans.
It is suggested that you can find out your current credit situation in Songguocha, get rid of the bad habit of applying for a loan, and cover your dishonesty with a new good record of using money.