First of all, answer directly.
A credit loan is a loan issued with the credit of the borrower, and the borrower does not need to provide guarantee or any collateral.
Second, the specific analysis
There are three conditions for applying for a credit loan.
1. Applicant1Above 8 years old and below 65 years old.
2. The applicant has a good and stable income, sufficient and stable cash flow, and the ability and willingness to repay. For enterprises, the asset-liability ratio is controlled in a good range of 60%, and the total profit of operating income accounting has continued to grow in the past three years.
3. The personal credit report is good, free from stains and violations of laws and regulations. For enterprises, the credit rating of enterprises is at least AA- (inclusive).
Different lending institutions have different application conditions, including but not limited to the above conditions. Please consult the official service personnel for details.
You can get a big data report in Winnie Hsin, find out your overdue records, and classify your online loans into formal and informal, seeking credit and seeking credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. What are the repayment methods of credit loans?
There are four repayment methods for credit loans.
1, average capital repayment method. The average capital repayment method is the same as the monthly repayment of principal, and the interest decreases month by month, with more interest in the early stage.
2. Equal principal and interest repayment method. Equal principal and interest repayment method, that is, the monthly repayment of principal and interest is the same.
3. One-time repayment. The one-time repayment method is to pay off the loan principal and interest in one lump sum after the loan expires.
4. Pay interest on a monthly basis and repay the principal when due. The lender repays the interest on a monthly basis, and pays the principal and last month's interest when due.
2. What are the conditions for bank loans?
The loan is determined according to the actual use of your loan. Easy Loan China cooperates with major banks in China. You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click on the online loan application link:
/activity/product/credit loan-dashi-lucky-index . html 3。 I have a bad credit card record in China Bank. Can I apply for a credit card from another bank?
No, credit card records are related to personal credit (integrity) records. When you apply for a credit card from another bank, they will check your credit history. Once there is a stain, it is a bad record and the application is unsuccessful. I suggest you get rid of your bad record first, so that you can do things.