Abnormal credit record, insufficient repayment ability, high debt ratio, false information and asset problems are the five main reasons.

Loan applications are like exams, with high and low scores. If you are not careful, you may fail.

When we apply for a loan from a bank, we often refuse the loan, or reduce our quota, raise interest rates and ask for additional supporting materials.

What's the problem?

1 Abnormal credit record.

Question:

If at present, in loans overdue, credit cards are frozen to stop payment, overdue for many times continuously or cumulatively, and frequently applied for loans in the near future, they will be recognized as abnormal credit records by banks.

If the online loan is overdue and the lawsuit is executed, the business information of the company under its name is abnormal, and it is very likely that the loan will be refused.

Countermeasures:

Pay attention to maintaining your credit record and develop good repayment habits. At the same time, try not to borrow money from online platforms.

If overdue has occurred, take the initiative to communicate and return the arrears in time. If the credit information is abnormal for reasons other than my own, I can raise an objection to the bank and apply for repair.

Note: WeChat search for Rong Zhi, see the question and answer "Is the credit overdue?" Actually, it can be repaired like this. "

2. Insufficient repayment ability

Question:

Matching repayment ability with repayment amount is the basic principle of loan approval.

Repayment ability refers to income MINUS the repayment amount of existing loans and credit cards.

If your repayment ability is obviously lower than the repayment amount of the newly applied loan, the bank will naturally refuse the loan.

Countermeasures:

In addition to making money, it is more important to plan family finances reasonably. Live within your means. Rational debt,

Note: what is the experience of "being a" monthly negative family "in WeChat search for Lvluo Finance? 》

Don't apply for a loan beyond the repayment ability, but also reduce the application amount, lengthen the loan period and reduce the repayment pressure.

Otherwise, even if the approval is passed, the repayment pressure will be great. Once overdue, it will bring you more trouble.

3 debt ratio is too high

Question:

Debt ratios include:

Income-debt ratio is the ratio of existing liabilities to the loan applied for this time, the sum of the repayment amounts of the two, plus income. Generally not more than 50%.

The asset-liability ratio is the ratio of the sum of liabilities and the loan applied for this time to the asset evaluation. Generally not more than 70%.

In addition, if a high proportion of credit cards are used for a long time, the minimum repayment amount is used for a long time, and a large loan is about to expire, it will be considered that the debt ratio is too high.

Countermeasures:

Three words, "reduce leverage".

Reducing the debt ratio and maintaining a stable and healthy financial situation are the keys to the prosperity of families and enterprises.

4 providing false information

Question:

When applying for a loan, if you provide false proof of income, bank statement, proof of assets, contact telephone number, or even fake official seal, fake documents, fake spouse, etc.

These are all loan taboos, and will be considered as cheating customers, even suspected of committing crimes, and will definitely be refused loans.

In addition, for some loan products, banks will conduct telephone, video or on-site surveys on borrowers, spouses and contacts.

If the respondent can't contact, refuses to cooperate, the survey information is inconsistent with the application information, and can't make a reasonable explanation, the loan may be refused.

Countermeasures:

Three words "don't cheat".

5 assets are defective

Question:

Asset problems generally appear in mortgage loans such as real estate and automobiles.

For example, assets are registered in the names of relatives and friends, but they are not certified after purchase, transfer and inheritance, and the property is not divided after divorce, involving litigation and seizure. Under these circumstances, it is naturally impossible to apply for a mortgage loan.

In addition, in the real estate mortgage loan, there are still cases such as the age of the house is too long, the area is too small, the location is remote, the unit price is too low, and the property rights are limited.

In automobile mortgage, there are cases such as the age of the car is too long, the mileage is too long, the accident car is too short, and the transfer time is too short.

The above situation will also affect the application for mortgage loans.

Countermeasures:

Keeping the ownership of assets clear is not only to protect your own assets, but also to avoid the trouble when applying for loans.

If you have multiple assets in your name, try to choose assets with clear ownership, matching value and good condition when applying for a loan.

Write 6 at the end.

Refusing a loan is not terrible, and there is no need to be too anxious. Maybe it's just that a loan product is not suitable for your current situation.

However, being refused a loan is just like failing an exam and having a red light for physical examination, so we must be on high alert.

Because of the hidden reasons behind this, it may be serious or even fatal.

It needs careful analysis. Is there something wrong with your financial management, credit management and asset management?

Check your income level, liabilities, credit report and assets regularly. Living within our means, reasonable debt and healthy financial management are our best countermeasures.

Will the suspension of payment affect the provident fund loan? The regulations are more complicated!

As we all know, it is often difficult to apply for provident fund loans, which requires a higher comprehensive credit status of borrowers. A friend has a record of stopping payment in his credit report, and he is worried that the provident fund loan will be refused. Then, does the suspension of payment have an impact on provident fund loans? Today, I will introduce some related knowledge to you.

There are two main reasons for stopping payment by credit investigation. One is that I voluntarily apply for stopping payment, and the other is that the bank stops payment. The reasons for stopping payment are different, and the impact on the provident fund is also different. Next, we will make a detailed analysis one by one.

I volunteered to stop paying.

I take the initiative to apply for stopping payment due to special circumstances such as lost or stolen credit card. Under these special circumstances, everyone stopped paying for their own safety. Therefore, the suspension of payment caused by these reasons will not have a negative impact on credit reporting, and will not affect provident fund loans.

If I take the initiative to apply to stop payment, I can ask the bank to stop payment after the risk is lifted.

Bank stop payment behavior

If the bank stops paying, it is probably because everyone's credit card or credit account is found to be abnormal, such as overdue credit card, false application for credit card, illegal use of credit card, illegal use of credit card tx and so on.

Wait a minute. The bank's stop payment will have a negative impact on the borrower's credit information and may be refused to apply for provident fund loans.

Above, we have introduced in detail whether the suspension of payment will affect the provident fund loan. Generally speaking, the bank's behavior of stopping payment will do harm to credit information and have a negative impact on provident fund loans.

Is credit card stop payment a blacklist? Specific analysis of specific circumstances

We know that applying for a credit card or bank loan depends on the applicant's credit report. If the payment is stopped on the credit report, the credit card or loan is likely to be rejected. A cardholder applied for a mortgage because the credit card stopped paying and was refused the loan. So, is the suspension of credit cards a blacklist?

Not necessarily. It mainly depends on why your credit card was stopped, whether you proposed to the bank to stop payment or the bank took the initiative to stop payment for your card.

This requires us to understand the reasons for the suspension of credit card payment.

Credit card payment can be stopped by the applicant, but most of them are stopped by the bank to control risks.

Generally, the former will not be blacklisted, and the latter will be blacklisted by banks, because this kind of payment stop is mainly caused by the cardholder's continuous or intermittent overdue in the house.

So, what happens when credit card payment is blacklisted?

First of all, your credit card can't be used before the lifting of the ban. Secondly, because of overdue payment, it has been blacklisted by the bank. At the same time, "stop payment" will be displayed on the credit record, which is equivalent to a bad credit record and much more serious than the ordinary overdue situation.

Generally, if your credit card is stopped, your application for credit card or other bank credit business will be rejected.

Because the bank will go to the central bank's credit information system to check the applicant's credit information during the audit, and the above-mentioned credit card suspension is blacklisted by the bank. Although you may not be in the same bank's business, other banks or financial institutions will not let you go if they find that your credit report has been stopped.

It can be seen that if the cardholder does not ask the bank to stop paying, but the bank stops paying your credit card, then there is no doubt that it is blacklisted, which will seriously affect your personal credit and will be rejected when handling bank-related credit business in the future. Credit society and cherish it.