2. High debt ratio: The applicant's debt ratio should not exceed 70%. Applications with high debt ratio are easy to be rejected for the simple reason and the potential risks are great.
3. Exaggeration ability: Applicants who can accept the loan interest rate above 10% will tend to think that the purpose of the loan you submitted contains false information, and the bank will believe you in this respect. Therefore, applicants should not talk big, truthfully reflect the situation and strive to gain more trust.
4. Poor credit information: The bank focuses on the credit information in the past two years. If it is overdue at present, it is the most deadly. Therefore, in order to successfully approve the loan, the applicant must maintain a good credit record.
5. Insufficient information: There are only two reasons for the lack of information, which are unable or unwilling. No, for example, private personal loans, the main body has no real business, and the related parties do not know. Unwilling, such as lack of proof of purchase, proof of credit card, trouble, etc.
6. Banking policies: The principles and policies of banks are first formulated by the head office, and the specific branches will make adjustments according to the preferences of leaders. Because people are changing, policies will always change. Because of this, interpreting the policy is the first step before lending.
7. Loan Manager: The loan manager will follow up the whole loan process and know the customer's situation best. The professional level and personality of the loan manager play a key role in the loan. Therefore, we should try to choose a loan manager with strong sense of responsibility and serious work to avoid information loss and repeated reporting.