Loan applications are like exams, with high scores 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 we are reduced in quota, raised in interest rate and asked for additional supporting materials.
What's the problem?
1 Abnormal credit record.
Question:
If the loan is currently overdue, the credit card is frozen to stop payment, it is overdue for many times in a row or cumulatively, and the loan is frequently applied for recently, it will be recognized as an abnormal credit record by the bank.
If the online loan is overdue, the lawsuit is executed, and the business information of the company under its name is abnormal, it may also 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, you should 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.
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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 working hard to earn money, it is more important to plan family finances reasonably. Live within your means. Rational debt,
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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 it is overdue, it will bring you more trouble.
3 debt ratio is too high
Question:
Debt ratios include:
The debt-to-income ratio is the ratio between the existing debt and the loan applied for this time, the sum of the repayment amounts of the two, and the 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 valuation. Generally not more than 70%.
In addition, if credit cards are used in a high proportion for a long time, the minimum repayment amount is used for a long time, and there are large loans that are 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, the bank 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 give a reasonable explanation, the loan may be refused.
Countermeasures:
Three words "don't cheat".
Five 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 authenticated after purchase, transfer and inheritance, and the property is not divided after divorce, which involves 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 some cases, such as the car is too old, the driving time is too long, the accident car 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 present situation.
However, refusing a loan is like failing an exam and having a red light in a physical examination, so we must be highly vigilant.
Because of the hidden reasons behind it, it may be serious or even fatal.
Need to carefully analyze, is there a problem 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.