As a word-of-mouth product of Ping An Bank, Ping An New Loan has relatively loose access conditions. Whether it is car loan, mortgage, social security provident fund or insurance policy, you can apply. But at the same time, some users' applications for consulting themselves were rejected. What is the reason why Ping An Xinyi loan was rejected? How soon can I apply again? Let's talk about it briefly.
1. What are the reasons for the rejection of Ping An's new loan?
1. Bad credit: As a banking product, Ping An Credit Easy Loan is used for credit inquiry and submission, so it still attaches great importance to the credit status of users. If there is a major stain record on the credit report, such as overdue at present, it is reasonable to be rejected.
2. Insufficient repayment ability: In addition to checking the repayment willingness of users, repayment ability is also an important item in the audit process. In the application conditions, there are provisions on the borrower's monthly income. If the income flow can't even reach the basic line, then the preliminary examination is likely to be rejected.
In addition, the borrower's liabilities will be comprehensively evaluated.
3. Others: In addition, the borrower's work and living conditions are unstable, often change, or the information filled in is false, and may be rejected.
2. How soon can I apply again?
Generally speaking, it takes 6 months to unlock the lock, and then apply after being rejected. However, the setting time may be different depending on the reasons for the borrower's rejection. Please consult your credit manager for details.
The above is about "What are the reasons for the rejection of Ping An's new loan? How soon can I apply again? " The answer, I hope to help users in need.
What should I do if Ping An I loan fails to pass the audit? If you want a loan, you can continue to apply.
Many friends applied for Ping An I loan, but the result was that the audit failed. So why can't Ping An I loan be approved? What should I do if Ping An I loan fails to pass the audit? Let me answer for you.
1. How to apply for Ping An I loan?
1. Download the registered account of the APP.
Step 2 apply for a loan
Step 3 bind the bank card
4. Face recognition
5. Credit granting is successful, and the next payment is made.
2. Why did Ping An I Loan fail to pass the examination?
1, Ping An I loan review requires the applicant to be at least 18 years old and have full capacity for civil conduct. It is impossible for minors to apply for Ping An I loan.
2. Ping An I loan audit requires the applicant to have a stable job and income, with a minimum monthly income of more than 2,000. If the applicant can't provide valid proof of work and income, Ping An I loan review will fail.
3. Ping An I loan audit requires a good credit record. If the applicant has overdue behavior in the past, and there are many overdue times, it is difficult to pass the Ping An I loan review.
3. What if Ping An I Loan fails to pass the audit?
1. If the friend who applied for Ping An I Loan for the first time failed the audit, you can call the customer service of Ping An I Loan to find out the reasons for the audit failure. If the review fails due to factors such as incomplete personal data, a second review can be negotiated.
2. If the reason for the failure of the audit is that the applicant's hardware conditions cannot be met, that is, it cannot be changed in a short time, then the application can only be temporarily abandoned, or the loan can be audited by another lending institution.
Why did Ping An Bank's credit card (debit card) fail the audit?
Ping An Bank's credit card (debit card) application failed, which may be due to the following reasons:
1. The customer's credit is not good, and there are bad records in the personal credit report recently.
2. Recently, many credit loan products have been handled, and many of them have not been paid off, resulting in multi-head loans and high personal debt ratio. Banks are worried that customers' repayment ability is insufficient.
3. Age, economic income, assets and financial resources do not meet the requirements of the bank. For example, high-end cards such as platinum cards have very strict financial requirements for customers, and it is difficult for ordinary office workers to succeed.
The introduction of Ping An loan failure ends here.