However, although women are the main force of "spending money on corruption", they are favored by lending institutions, and usually women can get more money than men. Why is this? Let's see what's going on together.
Six reasons why women are richer than men:
Reason 1: Women are more trustworthy than men.
Statistics show that the proportion of young people applying for loans is increasing. Among them, the proportion of men applying for loans is 50% higher than that of women, but the overdue default rate of women is 20% lower than that of men. From the data analysis, the low overdue default rate is a reliable performance. Therefore, compared with men, women can borrow money to repay on time.
Reason 2: Most women in the family hold the economic power.
In traditional customs, women are sensitive to money and figures, and naturally have a unique understanding of money. It is easier to master the family financial power than a man who is so-so. Therefore, when lending, women have more say and advantages.
Reason 3: Women are not as radical as men.
Women are more cautious than men, more cautious and rational in dealing with money, not as radical as boys. Although women spend more money on loans, they are basically used for consumption, management or more reliable behavior, while men may impulsively do risky things such as stock trading and futures speculation.
Reason 4: Women can better manage the whereabouts of funds.
Generally speaking, compared with men, women do not have so many bad hobbies, such as gambling and gambling, and can better manage the whereabouts of loan funds. Motherhood makes women care more about the future of their families and children, and their vision will be longer, and the use of "money" will be clearer and more qualitative.
Reason 5: Women are more "steady, accurate and ruthless" than men.
When borrowing money, women are more "steady, accurate and ruthless" than men. Usually, women are responsible for living expenses. They must be careful. When choosing lending institutions and products, they will shop around and choose carefully. Compared with men, their decisions are more accurate. Once a loan is made, it is not easy to change it in the future.
Reason 6: Women know their own conditions better than men.
Women are usually more acute than men. When lending, they can clearly judge and compare the loan term, repayment method and their own conditions, and know which loan product and loan method are more suitable for them. Moreover, women are better at listening and more patient than men. They can accept the advice of the loan manager with an open mind when choosing loan products, and will not go their own way, thus avoiding making rash mistakes.
However, women also have obvious shortcomings when taking out loans. For example, women's income is generally lower than that of men, and lending institutions don't like people with low incomes. There are also freelancers with unstable jobs, and they don't recruit lending institutions, so full-time wife loans are generally unpopular. In addition, in terms of loan period, the maximum age for men to apply is 65, and women can only apply until 60. However, considering all factors, under the same conditions, the probability of female loans being approved will be higher.