There is no loan but there is loan approval, which may be caused by clicking on the webpage of an online loan company through the network. Online lending companies do not have the authority to inquire about personal credit reports, but entrust Shenzhen Qianhai Zhonghui Bank Co., Ltd. to inquire about personal credit reports on the grounds of "loan approval".

Weizhong Bank cooperates with WeChat, and there are small and meager loans in the payment. If you check the amount, it will show that the loan has been approved Don't worry. If you are really worried, I suggest calling 1 10 first, because it is not the loan you borrowed. Now that this loan has appeared, you will know the reason.

Moreover, recently, some WeChat users broke the news that Tencent's "Shenzhen Qianhai Weizhong Bank Co., Ltd." inquired about the personal credit record of the People's Bank of China on the grounds of "loan approval", which had an impact on its subsequent mortgage application. According to users' feedback, Weizhong Bank did not explicitly inform users that it would inquire about personal credit records, but directly inquired about personal credit records in the name of "loan approval". So it may also be because of this, there is no loan but there is loan approval.

Conditions for applying for a loan:

The age should be above 18 and below 65, the borrower's actual age and loan application period should not exceed 70 years old, and he has full capacity for civil conduct;

Borrowers need to have a legal and stable job and income source, and have the ability to repay the loan principal and interest on schedule. When the loan business requires a down payment, it has the ability to pay the full down payment; Having stable employment, income and the ability to repay the loan principal and interest on schedule;

The applicant's personal credit situation is very important, and it is difficult to apply for a bank loan without a bad credit record. Simply put, the credit is good, there is no bad record, and the loan is used legally;

Generally speaking, bank loans generally need to provide guarantees, house mortgages, or proof of income. People with good personal credit information have a higher success rate.