Today, when I was watching the news, I saw a news that a bank in Hangzhou refused to lend for the mortgage applicant because he had more than two records of small loans in half a year. This is really the first time that a bank can refuse to lend on this ground. Although it is possible that only some banks in the country have this situation, I still have a deep understanding of what kind of microfinance behavior will be discovered by banks and what kind of behavior will lead banks to refuse to lend you loans.

First, the small loan behavior of credit

It is understood that many common online shopping products, such as Ant Borrowing, JD.COM White Slip, Microfinance, Baidu Finance, etc., are connected to the credit information system. Therefore, if you use these goods in online shopping, they will be included in the credit record. In case your local bank really refuses to lend because it has recorded more than two small loans in half a year, you should pay attention.

So I suggest that when you buy online in the future, you'd better pay in full. There is no need to use the above products in order to pay less money now and keep it later, resulting in too many records of small loans, which will affect the real need to borrow from banks in the future and be rejected.

Two, affect the bank loan approval behavior

In addition to the above-mentioned fresh behaviors that will lead to the rejection of loans, there are still some behaviors that must be absolutely eliminated. Let's look at them for you.

1, credit card overdue

If the credit card fails to repay on time or fails to reach the minimum repayment amount, it will be recorded in the personal credit record. If this happens to you, the bank will naturally refuse your loan.

2. Always check personal credit information.

This may be unexpected, everyone must pay attention! Never inquire about personal credit records if you have nothing to do, or frequently inquire about personal credit records in a short time. Because in general, if you check your personal credit record many times, the bank will think that you are in urgent need of funds, but if you fail to meet the standards in some aspects, you will be afraid of being rejected, which will make the bank more cautious and refuse to give you loans.

3. Wage running water is not up to standard

If your job is unstable, your salary will be ruined. If you still want to borrow money to buy a house at this time, as a banker, you will definitely not agree to lend money to yourself. So when you apply for a loan in a bank, you must have a decent and stable job.

Summary: In addition to the above points, there are actually many behaviors that will cause the bank not to give you a mortgage. Therefore, everyone, especially those who want to buy a house with a loan, must regulate their behaviors and habits more and avoid the trouble of being refused a loan.

Author: Yu Junjian