1. Personal loans have no real use. The borrower applying for a loan must provide a true and reliable proof of the purpose of the loan. If the borrower does not really use it or does not meet the requirements, the bank will refuse the loan.
2. There is an error in the loan information. When applying for a loan, the borrower accidentally filled in the wrong loan information, and eventually was rejected because of "incomplete information" or "unverifiable".
3. The collateral does not meet the loan requirements. When a borrower applies for a mortgage loan, not only the borrower needs to meet the relevant loan conditions, but also the collateral needs to meet the loan conditions. If not, then it is impossible to apply for a mortgage loan.