The loan interest rate of each bank will fluctuate on the benchmark interest rate, and the specific interest can be calculated according to the formula of interest = amount * interest rate * years brought by the implementation of interest rate by each bank.
First, improve personal information.
The general loan platform has its own risk control system, which can verify the borrower's information in many ways. If a material is found to be fraudulent, the probability of rejection will be great.
1, pay attention to real-name registration system registration.
Real-name registration system is conducive to improving credit score. When shopping, try to use Taobao, Tmall, JD.COM and other platforms registered in real-name registration system.
2. Provide stable contact information.
As for the contact information of the loan, try to leave a phone number that has been used for a long time, and you can choose to use the corporate mailbox as your own mailbox. Stable information will improve the success rate of loans.
Step 3 provide proof of property
When applying for a loan, salary, real estate license, driver's license, large deposit certificate and other certificates can be submitted to prove the individual's repayment ability, and the chances of successfully obtaining a loan will also increase.
Second, pay attention to personal credit reporting.
Personal credit information is an important basis to determine whether you can successfully obtain a loan. When we usually use credit cards, personal loans, car loans, mortgages and other credit businesses, we must protect our personal credit information and not damage our credit because of temporary negligence. Only in this way can we ensure that the loan can be successfully passed when the money is urgently needed.
Most loan platforms will take personal sesame credit score as an evaluation reference, so we should strive to improve our sesame credit score.
Friends who have no loan experience can apply for one or two credit cards, spend them several times a month and repay them on time. In this way, the credit information will not be blank, and there will be a good credit record, which will help the loan approval to pass easily in the future.
Third, choose the product that suits you.
Different loan products have different application thresholds and quotas. Generally speaking, the mortgage loan amount is large, but the application threshold is relatively high, the credit loan amount is small and the application threshold is low.
Try to use the special fund for special purposes, choose loan products that meet your actual situation, and remember not to apply for loans blindly.
Fourth, choose the right lending institution.
If the borrower has good qualifications, you can choose a bank. The threshold of bank loans is relatively high, and the awareness of risk control is very strong, so the choice of customers will be stricter.
If the bank's approval is too strict, you can try these large peer-to-peer lending platforms, such as ant lending, micro-lending and money spending.
Verb (abbreviation of verb) Apply for a loan amount according to your ability.
There are two main reasons for applying for a moderate loan amount. First, the greater the loan amount, the higher the possibility of failure; Second, the loan amount is too large, which is likely to cause greater repayment pressure. Even if the credit line given by the lending platform is relatively high, don't blindly lend all. Do what you can and choose the quota rationally.
6. Don't apply for loans frequently.
Online loans should be checked for credit information, and records will be left regardless of whether the loan can be passed. At present, many platforms share information, and the user loan application records can be said to be transparent. If you apply for too many online loans in a short time, the loan pass rate will be greatly reduced.
Seven, the debt ratio should not be too high.
If our income is not directly proportional to the debt ratio, it is difficult to pass the loan approval. Therefore, we should control our debt ratio at ordinary times, and we should not drag our feet at critical moments.
Eight, properly clean up the mobile phone information
Delete loans, credit cards, stocks, futures, lottery tickets, gambling and other unfavorable information. Before the loan review, it is necessary to clean up the loan software and transaction records. Focus on keeping some content that can add points, such as sending salary text messages and collecting accounts text messages.
People who need loans are mostly due to temporary capital turnover. Before applying for a loan, you must consider the cost of getting the money. Only in this way can we have a precise positioning of our loan amount and term, and not blindly borrow money.