Have you been struggling with the lack of credit? Now, let me offer you some solutions to see how you can apply for a higher loan。

What if you don't have enough credit

First, you can provide more proof of assets, such as real estate, shops, factories, etc. If the lending institutions feel that you have a better repayment capacity, they may increase your loan line。

Second, more proof of income might help. For example, you can provide proof of the income of a family member or of the income derived from the rental or sale of assets. They can be effective in proving that you have sufficient repayment capacity。

Third, try to reduce your personal debt. Remember, the less you're in debt, the less risk the lending institution will take. You can try to settle some of the loans and lower your debt ratio, and maybe that will make it possible to increase your loan。

Finally, it might be a good way to find a high-quality guarantor. Nothing is more worrying than the unrecoverable nature of the loan, and if there is a credible guarantor, the risk will be significantly reduced and the possibility of increasing your loan line significantly increased。

It is worth noting that once your loan application is passed, the amount of the loan cannot be modified. Therefore, if you want to increase the loan line, you must be fully prepared before submitting an application。