In modern society, loans have become a common way for the general public to resolve financial problems, but for some people who call on White House, because they have no record of their loans, banks and credit institutions consider their credit risk to be high and refuse their loan applications. So, for this group, how do we apply for a loan

I. Selection of suitable types of loans

For those seeking credit from the White House, an attempt could be made to choose more flexible types of loans, such as bank credit cards, cash instalments of consumer finance companies, etc., which are relatively easy to obtain. On the one hand, credit cards are a revolving credit, and banks generally apply for credit based on the client ' s occupation, income, amount, etc., and even those who call on White House are able to apply for credit cards if they meet the other conditions of the bank; on the other hand, consumer finance companies, which focus mainly on the consumption-phased business, focus more on the consumer ' s income-stable situation, can also try to apply for such loans for those who call on White House。

II. Provision of collateral or a guarantor

In the case of White House, banks and credit institutions assess their credit risk based on their credit records, which inevitably leads to difficulties in applying for loans. Thus, it is highly likely that if the applicant is able to provide valuable collateral as security or to find relatives or friends with better credit records as guarantors, the probability of being granted credit will be increased。

III. Enhancing its credibility

Despite their inability to improve their credit records, they could take steps to gradually improve their credit ratings, for example, by building their creditworthiness through sustained and stable repayments, and working to improve their income. If the applicant can prove that he or she is actively upgrading his or her credit position, banks and credit institutions may consider providing him or her with more credit opportunities。

Overall, it may be difficult to apply for loans, but this does not mean that financial support is not available. For this group of people, an appropriate lending institution needs to be selected according to their own circumstances, and other ways to improve their credit position on loans are considered. Only in this way will it be possible to provide greater opportunities for successful lending。