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征信由于网贷点击次数过多而变得不良之后，可通过对征信加以优化，申请抵押贷款，挑选线下特批的信贷业务，亦或是进行债务的重新组合等途径来处理贷款方面的问题。具体而言，需依据个人所具备的资质（诸如收入情况、资产状况、单位的性质等等）来选定适宜的方案，并且应当优先借助低息贷款去替换高息的网贷，以此达到修复信用的目的。
征信自查与优化策略
1.自查征信问题：重点检查，近2年的硬查询次数（例如贷款审批、信用卡审批等），逾期记录要避免“连3累6”这种情况，非银机构的贷款笔数（建议将其控制在3笔以内）以及负债比（最好不要超过70%）
2.主动修复征信
结清小额网贷优先，逐步减少非银负债。
保持6-12个月不新增查询，等待自然修复。
若垦利客户收入稳定（例如公积金基数≥8000元），可就此考虑信贷结构的优化，通过（垦利和德）垫资来还贷，以降低负债之后，再申请低息产品。
可行的贷款途径
1.抵押贷款
房产、车辆等抵押物，可大幅度地提高获批的概率，部分产品对于查询次数和网贷记录较为轻视。
优势：额度高、利率低、期限长适合置换高息网贷。
2.线下特批信贷
优质单位（比如说国企、事业单位之类的），或那些收入较高的人，可试着去进行人工审批；部分银行准许针对征信方面的瑕疵展开沟通。
3.下沉类产品
部分消费金融以及中小银行的产品，它们对征信的容忍度相对较高，不过其利率或许会有所上浮。
4.担保或小额贷款
通过担保公司增信（需支付费用）或从小额贷款起步重建信用。
长期信用管理建议
避免以贷养贷：优先结清高息负债，减少月供压力
优化负债结构：用银行低息贷款替代网贷，降低整体融资成本
保持稳定收入证明：社保公积金缴纳记录是重要加分项
拥有资深银行贷款经验：专注抵押贷款、 房屋抵押贷款、企业贷款、票据税贷、二次抵押贷款、汽车抵押贷款、经营贷、消费贷、装修贷、薪资贷、债务重组、个人公积金及社保贷；垫资赎楼、债务重组优化等皆可操作。
专业解决银行贷款难题，咨询请直接联系 李经理：13925301090（微信同号）（全国可做）。
免责声明：部分图文来源网络，文章内容仅供参考，不构成投资建议，若内容有误或涉及侵权可联系删除。
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