1, people with weak stability
Although some people have high incomes, they are not stable members. They will change jobs within a few months of staying in a unit, so the stability of frequent job-hopping is definitely not strong. We should know that the second generation of credit reporting will reflect the employment situation of credit reporting personnel. As soon as the lending institution checks the credit report, it can be seen that it will lend cautiously to such people.
2. People with excessive debts
I used to think that people with higher incomes would save more, but I found that this was not the case. The higher the income, the greater the consumption. The debt ratio will not save money, but will divide the repayment ability of the lender and occupy your income on a large scale. Once the debt ratio exceeds 50% of income, it is difficult to apply for a loan.
3. People with bad credit
In the credit society, personal credit investigation is equivalent to the second ID card. Many lending institutions will check the credit report and decide whether to issue loans according to their credit status.
If the lender has a high income, but the number of overdue loans has reached three times in the past two years, or more than three times in the past three months, and more than six times in half a year, it is also difficult to get loans. If it is not overdue, but because of loan approval, credit card approval, guarantee qualification examination and other reasons, the credit report has been checked for more than 8 times in half a year, and it is quite difficult to obtain a loan.
4. People whose loan purposes are not in compliance.
Some people want to borrow money to invest in stocks, and some people want to buy a house with personal consumption loans, but these uses are not allowed, especially bank loans are more stringent. Therefore, if the purpose of your loan is not accepted by the bank, even if the income is high, it is impossible to successfully approve the loan.