There are many loans, and you can apply if you have no money. For example, applying for a formal online loan has a lower loan threshold and a faster review speed. You can also apply for a mortgage loan to mortgage the property or vehicle to the bank, so as to obtain certain funds. If there is no collateral, but you want to apply for a large loan, you can find someone to apply for a secured loan as a guarantee.

Second, how to borrow money without money

If you have no money, it depends on who you lend it to. Personally interested. Online loans have expected fees, and banks and credit cards have minimum repayment amounts. If it is really not up, the people themselves say, give it a few days, or run away. If the online loan is not available, it will be postponed. Don't say no on the phone, just find a reason to say something else. The meeting of the bank will be entered into the credit information system, and the bank will pay the minimum amount if it tries to find a way. If you keep defaulting, the bank will enforce it, which is commonly called Lao Lai. I will put you in during the Spring Festival.

Third, how to repay the loan if there is no money in the provident fund account?

The banking system will naturally deduct money from the bound repayment bank card when signing the automatic repayment agreement.

After buying a house with a provident fund loan, many buyers will choose to repay the loan business, that is, the repayment of the balance of the provident fund account. What if the provident fund is not enough to deduct the mortgage?

If the balance in the provident fund account is not enough to deduct the mortgage, the banking system will naturally deduct the money from the repayment bank card bound when applying for repayment of the loan, so the customer only needs to deposit enough money into the repayment bank card.

Of course, customers should make up the money before the repayment date in time, otherwise the balance in the card will be overdue after the bank deduction time on the repayment date, resulting in personal credit damage.

In fact, customers can bind repayment bank cards in pieces, such as salary cards, and then pay more attention to the fund movements of the cards. Also pay attention to the status of the card. If the card status is different, you need to contact the bank in time to solve it, so as not to affect the bank's deduction.

It is also important to pay the provident fund in full and on time for six months or more, and the balance of the provident fund account should not be less than 12 times of the monthly repayment amount of the mortgage.

legal ground

Regulations on the administration of housing provident fund

Article 24

In any of the following circumstances, the surplus in the provident fund account

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds that of domestic workers.

In accordance with the preceding paragraph (two), the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Article 25

Where an employee withdraws the balance stored in the housing provident fund account, the unit to which he belongs shall

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid the housing provident fund may apply to the housing provident fund management center for housing when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall decide whether to lend or not from the date of accepting the application, and notify the applicant; Procedures for granting loans.

The burden of housing provident fund loans.

4. The bank card is out of money. Can I get a loan?

You can't get a loan with a bank card. To get a loan from a bank, you need to prepare the following materials:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.