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Alors comment obtenir un prêt auprès d'une banque ?
Tout d'abord, vous pouvez brièvement faire le point sur votre situation réelle en vous basant sur les cinq domaines mentionnés ci-dessus. Si l'une de ces situations se présente, veillez à en parler d'abord à votre banque et à lui expliquer la situation. S'il est vraiment impossible de le faire, vous devez vous dépêcher et choisir de changer de banque. Comme nous l'avons dit précédemment, les critères d'examen peuvent varier d'une banque à l'autre et il peut y avoir un tournant pour une autre banque.
Deuxièmement, dans les activités quotidiennes de services financiers, doit être en mesure de maintenir un bon dossier de crédit, pour notre carte de crédit quotidienne pour le remboursement, le retour des prêts hypothécaires, etc doit se rappeler la date, ne doit pas avoir le défaut, beaucoup de gens sont en raison de la carte de crédit quelques dollars, des dizaines de dollars à plusieurs reprises se produire des arriérés, résultant en quelques problèmes avec le crédit, et finalement les prêts commerciaux sont rejetés, il est vra 結餘轉戶信貸評級iment une grande pitié.
Quant aux prêts en ligne que beaucoup de jeunes préfèrent, je vous conseille vivement de vous en tenir éloigné autant que possible. Ces types de prêts avec des seuils bas et des taux d'intérêt élevés peuvent facilement impliquer les gens. Plus vous remboursez de crédits, plus vous gagnez de l'argent. Déjà, ils vous le retirent et vous vous retrouvez endetté, sans parler de contracter un prêt auprès d'une banque, et votre ancienne vie peut en pâtir.
Enfin, nous espérons que dans le processus d'obtention d'un prêt, nous devons fournir à la banque des documents authentiques, tels que des preuves de revenus, des preuves de mariage et ainsi de suite, car de nos jours, les banques utilisent également divers moyens pour vérifier l'authenticité des documents lors de l'examen des prêts, et une fois que de faux documents sont fournis et examinés par la banque, il est alors certain que le prêt sera rejeté, sans possibilité de retour en arrière.
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