How to apply for a large loan without a house or a car? Four ways to help you!

;?As social pressure gradually increases, many borrowers face various problems every day. Among them, how to raise money is the most important thing. After all, everyone is very concerned about money these days. , if you don’t have a house, a car, or a job, not only will your friends not lend you money, but many credit loans will also not be available. So how can you apply for a large loan without a house or a car?

There are four common loan methods in the loan industry:

1. In addition to mortgage-guaranteed loans, most bank loans require the borrower to have a stable income and Jobs, and some also require social security, so it is basically impossible to apply for a large loan with credit without a house or a car. The most important problem for people without a house or car is to find a job first, and have a stable income for more than six months before meeting the basic application conditions.

2. Unsecured credit loan companies There are many similar loan companies on the market that can provide unsecured and unsecured credit loans. The application threshold is relatively low, but the borrower also needs to have certain qualifications. If there is no You can apply even if you don't have a house or a car, but your personal credit record must be good, and bank statements must also be looked at. If those without three types of housing do not meet the requirements, it will be more difficult for them to successfully apply.

3. Private lending If you really can’t borrow money, you can consider private lending. This loan method has basically zero threshold, and people without any qualifications can also borrow as long as they provide basic identity information. The amount accumulated by borrowing from multiple platforms is also relatively high. The disadvantages are that the interest rate is very high, the period is short, the repayment pressure is very high, and the overdue penalty is very high. Once the repayment date is exceeded, the interest will not be compounded at all. Can't pay it off.

4. There are now many mobile phone loans, Alipay loans, and WeChat loans on Internet borrowing platforms. The loan threshold is very low and depends a bit on luck. If you have good credit and are between 25 and 40 years old, If you have no bad credit record, you have a chance of successfully borrowing money through the Internet, but the amount may not be that high. To sum up, it doesn’t matter if you don’t have a house or a car. Nowadays, many loan products with low thresholds do not require financial resources. They mainly rely on personal credit such as credit reports, sesame points, Xiaobai points, etc. to get loans. As long as you have a stable For work, it is relatively easy to pay. How to get a loan without a car or a house

1. If you don’t have a house or a car, you can apply for a credit loan. At present, competition among various loan companies is fierce, and many loan companies have lowered the loan conditions. If you do not have a house, a car, or a job, but have a good credit record and stable bank card flow for the past six months, you can apply for a loan from a local loan company. \x0d\2. Even if you don’t have a house, a car, or a job, you can still use your credit card to withdraw cash. The maximum daily cash withdrawal limit for most credit cards is 2,000 yuan, and the total cash withdrawal limit is up to 50% of the monthly credit limit. \x0d\ 3. For those who have just graduated from college and have "three no's", they can choose to apply for college student entrepreneurship loans. Of course, to apply for a college student entrepreneurship loan, the applicant is required to meet the local college student entrepreneurship loan conditions. \x0d\However, in general, although people without a car, house or job can apply for a loan, the application amount is relatively low and it is not that easy to apply successfully. Therefore, if you want to successfully apply for a loan, you must at least Have a stable job or have a house or car in your name. How can I apply for an unsecured loan if I have no house, no car, and no credit record in Shanghai?

; As working-class people, we work hard in Shanghai silently, but our consumption level is so high, and then inadvertently, we I encountered some troubles regarding funds. As a working-class person working in a different place, I wanted to apply for a loan to solve the financial problem, but I found that I had no car, no house, and even my credit record was blank. At this point, if you want to apply for an unsecured loan, you might as well listen to the following introduction.

(1) Citibank - Happy Loan Citibank has always been close to the people, and the maximum loan amount applied for is 500,000 yuan. Applicants need to be between 18 and 60 years old; have a pre-tax income of 4,000 yuan; and need to work in the current unit for more than 3 months or have worked for more than 2 years. Such borrowers can easily apply for a loan. However, the expected annual interest rate is relatively high, but the repayment period is 4 years. The key is that the borrower can repay in advance, but early repayment requires a penalty of 5% of the remaining amount, but it can still save to a certain extent. cost, and can also reduce the repayment pressure borne by borrowers.

(2) CreditEase - Yirendai When an applicant applies for a loan, there may be an urgent need for funds. Of course it would be great if you can save some time on application materials, and Yirendai This has been successfully accomplished, saving most of the applicant's time. The applicant only needs to submit his or her ID card, bank statement and personal credit report. Du Yu applicants must be between 22-55 years old, have worked in the current unit for more than half a year, and have an after-tax salary of more than 4,000 yuan. The maximum loan amount applied for is 500,000 yuan. One thing to note is that Yirendai cannot repay in advance.

(3) Hua Xia Bank - Yi Da Jin Compared with the above two unsecured loan methods, Hua Xia Bank's "Yi Da Jin" can be said to be superior. Applicants must complete the loan application and satisfy the requirements. After the bank's qualifications are approved, the bank can provide door-to-door services. Applicants need to be between 18 and 65 years old, the borrower's after-tax income needs to reach 4,000 yuan, and they need to work in the current unit for half a year. The key is that it is possible to apply for a loan in Yidajin for cash salary payment. It is worth mentioning that its monthly management fee does not support borrowers’ early repayment. As a reminder, when applying for a loan in Shanghai, you need to comprehensively consider your actual situation and choose the method that best suits you. How can I get a loan from a bank without a house or a car?

Take the Agricultural Bank of China as an example. If you meet the following conditions, you can go to the Agricultural Bank of China to apply for a salary loan:

1. Be at least 18 years old and not more than 60 years old, and have the People's Republic of China ** *He nationality and full capacity for civil conduct;

2. Have a legal and valid identity document and household registration certificate (or valid residence certificate) where the loan bank is located;

3. The borrower and The spouse meets the credit record conditions stipulated by the Agricultural Bank of China;

4. The credit score, working years, and annual after-tax income meet the standards stipulated by the Agricultural Bank of China;

5. The income is stable and has the ability to meet the requirements on schedule The ability to repay credit;

6. The purpose of the loan is reasonable and clear;

7. Open a personal settlement account at the Agricultural Bank of China.

Extended information:

1. Loan amount

The maximum is 2 million yuan and the maximum term is 5 years. The interest rate is implemented in accordance with the relevant regulations on interest rate pricing of the head office.

2. Repayment methods

If the loan period is within one year (inclusive), you can choose various principal and interest repayment methods provided by the accounting system. If the loan term is more than one year, you can choose to repay it in monthly (quarterly) installments with equal principal and interest and equal principal.

3. Process

Loan application → Loan investigation → Loan review → Loan approval → Signing of contract → Credit review → Loan issuance → Loan recovery.

Agricultural Bank of China-Salary Loan