1. What are the conditions for Rongyi Borrowing?

To apply for Industrial and Commercial Bank of China’s Rongyidu, the following conditions must be met in order to successfully pass the review:

1. Be between 18 and 60 years old. Be a Chinese citizen with full capacity for civil conduct;

2. Have a permanent residence or fixed residence in the location of the branch;

3. Have a legitimate job and a stable source of economic income , have the ability to repay the principal and interest of the loan on time;

4. The personal credit is good, and there is no bad credit record or serious negative information in the credit report.

2. How can I borrow money without a credit record?

What are the ways to borrow money?

In life, there are often times when money is urgently needed and temporary turnover is needed. So what are the ways to borrow money that you know of?

I am discussing this topic because when I was reading the newspaper today, I came across an article about the Leshan “807 Routine Loan” case.

Beware of tricks

The whole thing happened because Ms. Wan was temporarily short of money. She happened to see a certain loan APP that showed that the account could be credited immediately, so she downloaded it and borrowed 2,000 yuan. Agree to repay within one week.

But when I actually got it, it was only 1,400 yuan, and I continued to receive collection calls on the 6th day, not only to Ms. Wan herself, but also to her friends, colleagues, and family members. phone number.

So Ms. Wan downloaded another APP to borrow money, and used it to borrow 2,000 yuan on the first loan APP.

In just one month, Ms. Wan borrowed 18,000 yuan from 9 APP platforms under this routine. She actually received 10,000 yuan, and then repaid 20,000 yuan. The platform showed that she still owed nearly 10,000 yuan. 10,000 yuan.

Because she was unable to repay the high overdue fees and was subjected to soft and violent collections by online loan companies, Ms. Wan suffered a mental breakdown and took sleeping pills at home.

If something bad happens, please call the police in time

Fortunately, he was discovered by his family and revived after timely rescue. After that, Ms. Wan, accompanied by her family, went to the public security bureau to call the police. After nearly three months of research and evidence collection, the police successfully cracked the "8·07" routine loan case, lending and collecting 37 criminal suspects.

In fact, everyone will always encounter a time when they are in urgent need of money. If it is difficult to ask relatives and friends, there are several ways to refer to:

1. Alipay’s Huabei, Find a merchant or acquaintance you know and agree on an amount, use Huabei to pay the other party's payment code, and then ask the other party to transfer it back to you. The money will appear in your Alipay balance. Best of all, there is no interest until the second month’s repayment date.

Note: Alipay does not support this operation, and the amount cannot exceed 500, so use it as little as possible.

2. For Ant Borrowing on Alipay, open Alipay-My-Borrowing, and then apply for a loan according to the steps. You can repay in advance

Simple and easy to operate

Note: Users who need a Sesame score of 600 or more can set a limit based on the score, which is usually between a few thousand yuan and 70,000 yuan (my credit score is 770, and the limit is 70,000 yuan). The interest is calculated on a daily basis (3.5‰~5 thousandths ), that is, the interest rate for borrowing a thousand yuan per day is 0.35~0.5, which fluctuates according to your credit.

3. Major bank mobile APPs. Nowadays, banks can basically bind cards to the APP and operate some business such as transfers independently. In the APP, there is usually a loan business, which can be borrowed and repaid at any time, with an annual interest rate of Within 5%, suitable for short-term loans of one year (do not be overdue).

4. To meet the needs of small-amount borrowing, if you have several credit cards, you can add them up to withdraw cash.

Note: Keep the repayment date in mind and be sure to pay it back before the repayment date. If you cannot repay the loan, you can repay it in installments. The interest on the repayment will vary depending on the installment time.

Put an end to over-consumption

In short, there are many ways to borrow money in the market. You can choose the one that suits you, but you must operate on a formal and familiar platform, and you must do it on a regular and familiar platform. Be careful not to borrow too much as it may affect your normal life.

3. How to borrow money if your credit report is not overdue and your big data is hacked

If there is a way for you to become a good user, then you can make a large amount of money

4. If your credit record is not good, how else can you borrow money?

If a borrower has a bad credit record, it is usually easy to be rejected when applying for a bank loan. However, you can consider the following methods:

Company loans

Although bank loans have low interest rates, they have strict credit requirements, making it difficult for many friends to get loans. Such friends can actually get money through the company, but they have to pay relatively high interest. What needs to be noted here is that generally speaking, there is an upper limit on the annual interest rate of loan products, which is generally within 24%. If the annual interest rate exceeds 36%, it is not protected by law.

Borrowing from Relatives and Friends

When you cannot borrow money, you can also borrow money from relatives and friends. The advantage of doing this is that there is no interest, but you often have to consider personal face issues and peace. relationship between the parties.

Online small loans

Compared with bank loans, online small loans are often more convenient. Compared with bank loans and corporate loans, its advantage is that there are enough choices. On a lending platform, you can often see different loan products designed for different users, and the loan amounts can meet the needs of different users. The disadvantages of online small loans are also obvious. Interest rates are generally high, and some also charge fees and management fees. You should be cautious before choosing.

Cash withdrawal by credit card

When you are in urgent need of money, using a credit card to withdraw cash is also a way. This way, you can get your money quickly. But from another perspective, most credit card cash withdrawals can only withdraw half of the credit card authorization limit.