How to get a loan without a credit card? In fact, you have two ways to choose!

Nowadays, everyone’s life is under great pressure, and many people are faced with the situation of being unable to make ends meet. Fortunately for those who have credit cards, they can use credit cards to make purchases and apply for loans through credit cards. It’s even worse for people who don’t have a credit card. So, how can you get a loan without a credit card? Here are some notes for everyone.

Common loans generally include credit loans and mortgage loans. For those who have large loan amounts and own valuable properties such as houses and cars, applying for a mortgage loan should be a good choice. It does not require a credit card and the loan interest rate will be relatively low.

For those who need it for daily consumption, they can borrow money from online loan platforms without a credit card. There are many online loan platforms that can provide loans to people who do not have credit cards. For example:

Malaysia Finance

Malaysia Finance is a very famous platform. There are many loan products to choose from. The loan limit can reach 200,000 yuan. It can also directly provide financial services to everyone. Provide product installment services.

Gohua

Gohua is a loan platform specifically designed to serve young people, powered by Haier Consumer Finance. The loan amount of Enhua can reach 200,000 yuan, and the daily interest rate can be as low as the loan can arrive in as fast as 3 minutes.

In general, there are many ways to get a loan without a credit card. You can choose a mortgage loan or an online pure credit loan.

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How to get a loan without a credit card

First, provide proof of financial resources. Second, find someone with good credit as a guarantee. Third, provide real estate or car property as collateral. Fourth, get a credit card. In general, having a credit card can make it easier for banks to consider your credit status. Friends who do not have a credit card can use other methods to apply for a loan from the bank. Article 669 of the Civil Code 6868 When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.

How to get a loan without a credit card

How to get a loan without a credit card

The main function of a credit card is overdraft. Loans require you to have corresponding qualifications and guarantees. Housing, consumption, or business loans are all conditional. Regardless of whether you have a credit card or not, you can apply for a loan as long as you meet the conditions. Generally speaking, the information that must be provided when applying for a bank loan includes: ID card of the applicant and spouse, household register, marriage certificate, income certificate (generally the monthly income is required to be more than twice the monthly payment), bank statements, real estate certificate and loan Proof of use, etc.

The borrower refers to a Chinese citizen who has a fixed residence in China, a local urban permanent residence (or valid residence certificate), and full capacity for civil conduct.

Borrower Conditions< /p>

1. Chinese citizens who have a fixed residence in China, a local urban permanent residence (or valid residence certificate), and full capacity for civil conduct;

2. Have a legitimate occupation and Stable economic income (monthly salary income must be more than 1,000 yuan), and the ability to repay the principal and interest of the loan on time;

3. The borrower’s unit must be recognized by the lender and have a good relationship with the lender The administrative and corporate enterprises and institutions in the cooperative relationship must pay wages on behalf of the lender;

4. Abide by laws and regulations, have no illegal activities and bad credit records;

5. Lender Other conditions specified.

Loan application

When applying for a loan, the borrower should provide the following information to the lender:

1. Loan application approval form

2. Valid identity document

3. Valid proof of address

4. Proof of stable income

General process:

1 . Submit a loan application to the bank

2. After the bank accepts the application, it will evaluate the value of the mortgaged property and determine the loan amount based on the evaluated value

3. Sign a loan contract, etc.

5. Bank loans: general personal loans, up to 5 years; monthly installments, no one-time principal repayment

That’s it for the introduction of how to get a loan without a credit card.