If a person is heavily in debt, it is definitely difficult to borrow money again, but some people find that they have never borrowed money, but they still can't borrow money successfully, which is very confusing. Never borrowed money. Why can't I borrow money? Isn't it easier to borrow money with low debt ratio? Borrowing money is not so simple. Let's learn about it.
why can't I borrow money if I haven't borrowed it?
1. The loan application materials are untrue. Many people failed to upload the photos on the front and back of their ID cards correctly when filling in the loan materials, or the photos were not clear, so they could not pass the examination. Some applicants filled in the wrong contact information, work information and residence address, and the system failed the preliminary examination.
2. Credit reporting is not supported. If a white household wants to apply for a loan, it generally requires credit reporting. Many people think that a white household has a good credit reporting. In fact, because there is no loan record, the lending institution cannot analyze its repayment ability and willingness, but is unwilling to lend money.
3. Although the secured loan under the name is not the money borrowed by the credit investigation party, the party is the guarantor and also needs to bear the repayment responsibility, which affects the borrower's debt ratio to a certain extent. If the secured loan amount is huge, it is often difficult to borrow again.
4. There is no repayment ability. If the loan applicant has no job, no stable source of income and no relatively strong assets under his name, he can't guarantee that he can repay the principal and interest on time, and he will be easily rejected if he wants to borrow.
5. If you want to apply for online loans if your age does not meet the requirements, the loan applicant must be at least 18 years old and cannot be a student at school. Some loan products can be at least 22 years old, and you can't borrow money if your age does not meet the requirements. Why can't I borrow money if I haven't borrowed it? In the final analysis, it is that the loan applicant is not qualified enough, not that there is no debt. What's wrong with the loan? Do you know these reasons?
Nowadays, many people will borrow money online in urgent need. Although it is an unsecured credit loan, it is actually not as easy to apply as expected. It is not that they can get money by borrowing it, just like many people have encountered the situation that the loan cannot be borrowed. So, what's wrong with the loan? Let's make a general analysis of the reasons today.
why can't I borrow money? No matter which loan platform you borrow money from, there is no such thing as unconditional borrowing. The loan platform will evaluate the borrower's current credit conditions in combination with the platform borrowing conditions. For example, if the loan cannot be borrowed, it means that the comprehensive score of the borrower's current account is insufficient, and the specific reasons can be investigated from the following aspects. 1. Personal credit: Many formal lending platforms, such as banks and licensed financial institutions, often infer the borrower's willingness and ability to repay by querying personal credit reports. For example, if there is a credit problem, such as overdue payment at present, or frequent card application and loan application, it is not conducive to loan approval, especially if even the black-and-white credit users will be directly refused loans. 2. Repayment ability: A stable repayment ability is a necessary condition for borrowing. Usually, the loan platform will evaluate the borrower's repayment ability according to his age, occupation, income, education and liabilities. For example, borrowers are young, or engaged in highly mobile occupations, with low income, low academic qualifications, high debts, weak repayment ability and high borrowing risks, so it is difficult to borrow money. 3. Market policy: Affected by the policy, many lending platforms have tightened the scale of lending, and only provided a limited amount of loans every day. Borrowers can't lend without grabbing the quota that day. It is recommended to know the lending time of the platform before lending, so as to avoid grabbing the quota during the peak period. The above is the related introduction of "What's wrong with borrowing?" I hope it will help you. What's wrong with borrowing money?
If you fail to apply for a loan on borrowing money, it is probably due to the following reasons:
1. The customer's credit is not good, such as the recent overdue repayment, which leads to the bad information recorded in the credit report, and the sesame credit score is also reduced, and personal credit is damaged (even if the borrowing money is not overdue, the flower bank, Alipay reserve fund or other credit products connected with credit investigation and sesame credit are overdue.
2. The amount of the loan applied for exceeds the prescribed limit (while the maximum limit of a single loan is 4, yuan, which is not as much as you can borrow, but the minimum limit is one yuan).
3. The account risk is high, which may be caused by the customer's illegal tx
, swiping points and other risky operations, or by frequently changing equipment to log in and frequently modifying account information, so the system controls the account.
4. There are problems in account security, such as expired authentication information and being stolen by others.
You should also pay attention to the fact that you can't borrow more than 5 loans at the same time, otherwise you can't borrow any more. And if the network signal is not good when borrowing, it may also lead to loan failure.
The sudden inability to borrow money may be due to two reasons:
First, Alipay strengthened its control and reduced or closed the borrowing authority of some users as a whole.
The second possibility is that some of your actions triggered Alipay's financial control risk evaluation system. It may be that you have overdue behavior, or it may be that you borrowed many times to repay in advance.
Whatever the reason, Alipay's financial risk control system thinks that there is a risk of bad debts in lending you money, so it will not lend you any more money.
at this time, you must keep good credit habits until your credit evaluation comes up. Alipay system will automatically give you the loan amount again.
"Borrowing Bai", now known as Credit Loan, is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan amounts. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%, which can be repaid with the loan.
on January 9, 218, or due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were actively closed to control the loan balance.