[贷款攻略]

不知道怎么贷款?有可能是你没弄清楚贷款门道

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2016-5-27 10:38:25 来自贷款理财 来自PC [ 复制链接 ]
<p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">你信心满满走进贷款申请的大门,却经常被灰头土脸地打回来。被拒的那一刻,你心里可能会升起了十万个为什么?</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">事实上,不是银行无情,很可能是你没搞清贷款的门道。那贷款里面都有哪些门道呢?</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><b>门道一:根据工资情况选择合适的贷款产品</b></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">申贷时,工资流水是重要的考查依据。用什么碟,下什么菜,你月薪5000,就千万别挑选对月收入要求10000以上的贷款产品,机构肯定会鄙视你没有眼力劲儿。有些贷款会对税前税后有要求,申贷之前,不妨仔细多看两眼。</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">TIPS1:除了工资流水,你还可以亮出自己的社保、公积金缴存记录,时限和缴存额度越长,越能让机构信服你工作稳定,有足够的还贷能力。</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><b>门道二:保护好自己的个人征信</b></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">在申贷时,个人信用的重要性就好比人的第二张脸。个人信用一旦染上污点,申贷被拒的风险就会大大提升。作为贷款人,每年可以自查一次个人征信,及时纠正报告中的错误信息,同时,养成按时还款的习惯,别欠费、别逾期,机构自然会给你亮绿灯!</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">TIPS2:保护好个人的身份证信息也是保护征信的重要一条。身份证被盗未及时挂失,或轻易将其借给别人,很容易就会“被贷款”,虽然通过调节或是起诉的方式可以解决,但相信我,你不会想要惹这样的麻烦!</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><b>门道三:平时养成良好的刷卡习惯</b></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">如果有申贷需求,而以前又从来没有办过贷款,小编建议你办理一张信用卡,告别信用小白的身份。要知道不光信用黑户不受银行待见,信用小白也同样不受信贷经理的欢迎。领到信用卡以后,理性刷卡,按时还款,申贷时自然可以提升审批成功率。</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><b>门道四:资料别弄虚作假,如实回答信贷员提问</b></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">申贷时切忌耍小聪明,在资料上弄虚作假。要知道,银行的风控水平简直堪比特工007,你自以为做得天衣无缝了,但信贷员一核查就会发现其中的漏洞。弄虚作假的风险相当高,一旦被认定,你就会变成机构贷款的绝缘体。</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">当然,不让弄虚作假也代表你得逢迎信贷经理的话,每一道问题,你如实回答即可。举止得当、谈吐得体,一定能给自己的加分!</p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><b>门道五:亮出资产证明</b></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; "><br style=" box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style=" white-space: pre-wrap;     box-sizing: border-box !important; word-wrap: break-word !important; ">除了工资流水,资产证明简直是道杀手锏,能打消信贷经理的不少顾虑和犹疑。尤其在申请大额信用贷款时,小编强力推荐使用。你名下的房子、车子都可以作为加分证据,证明你资产优良,有非常好的还贷能力。</p>
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