it must be clear to everyone that my loan credit cards are two different loan products. Even if they are all bank business, the loan is approved by the loan department, and the bank credit card is approved by the credit card center. Generally speaking, there is no hard and fast rule that a credit card is required for loans.
as long as the lender meets the basic requirements of the goods to be loaned, such as reaching the age of 18-6, having no bad credit record and having a relatively stable capital adequacy ratio, the lender can go to the loan. Naturally, there may be additional demand for different types of loans, such as handling mortgage loans and giving collateral securities. Do you have a credit card to get a loan?
although I don't have to apply for a credit card, if the lender has a well-used bank credit card before the loan, it can play an even more powerful role in the loan and improve the loan pass rate to a certain extent. After all, running a credit card can help the lender get rid of the true identity of a white-door loan, and at the same time, it can cultivate a better personal credit record by paying off the arrears.
financial institutions find that the lender's credit record is excellent when applying for loans, which shows that the borrower has excellent repayment ability and good repayment ability. And other lenders who have never made loans, never applied for bank credit cards and have blank credit information, lenders who have applied for credit cards are less risky and more likely to be favored by financial institutions. What insurance should I buy when my baby is born?
To buy baby insurance for newborns, we should first consider medical health and accidental medical treatment. Generally speaking, after the baby is born for 3 days, we can buy insurance wealth management products, mainly including accident insurance, medical insurance, critical illness insurance and education fund reserve insurance. However, when the baby is born, it has a certain resistance, which can resist most virus infections. Generally, it is not so easy to get sick within 6 months, so parents don't have to rush to buy insurance for their baby.
However, with the passage of time, babies are prone to stumbling, feeling sick, running high fever, diarrhea and even lung infection. Therefore, accidents and medical insurance are needed. It is worth noting that the baby's medical insurance is divided into two categories: one is the compensation type, which is limited by all the expenses incurred, and it is not easy to make repeated compensation. < P > It is meaningless to buy several copies of this commercial insurance at the same time; The other is the serious illness insurance that claims according to the diagnosis certificate. Just confirm that the baby does have a disease within the scope of commercial insurance, and the auto insurance company will compensate the corresponding amount, which is also able to make repeated claims and can purchase several copies. Pay social security first, and then buy commercial insurance, which can be purchased 28 days after birth. Baby's commercial insurance is divided into two categories. First, get the insurance before considering the education fund. < P > First, get the insurance, seriously ill, hospitalized, and have an accident, which is very cheap.
1. Accident insurance. Children are sexually active and curious, and it is inevitable that they will stumble.
2, hospitalization insurance, the baby's resistance and resistance are not as good as adults, people with fever and cold should be hospitalized.
3. Major illness insurance.
the second is the overall planning of education funds. Divided into two parts, education fund deposit and education fund guarantee.
1. Deposit is to buy savings insurance or deposit, and it is mandatory to save a copy of study money for children, which will not be used for other studies without training fees. It is necessary for people with weak self-control ability.
2. Education funds ensure that children's tuition fees are earned by their parents, which means that their parents must be safe and healthy. Once they can't make money, the children have no money to spend, so they still have to buy insurance for themselves. If a specific child is the beneficiary, the auto insurance company will lose money to the children when it is impossible to make money. This is the protection of the children.
3. Remember not to buy this kind of dividend insurance, which is guaranteed to be cashed back every year for life. This is not commercial insurance for education funds. Education gold critical illness insurance is guaranteed until graduation, and every year for four years, and some will give a wedding gold at the age of 25.
Experts believe that when buying insurance for babies, the order should be: accident insurance, medical insurance, and serious illness insurance for children. On the basis of all kinds of commercial insurance, we should consider buying education fund commercial insurance.