1. The borrower's income is low. When banks or lending institutions examine the income of borrowers, they will first examine the income of borrowers, which is also the key to directly prove the repayment ability of borrowers. If the borrower's income is low, in this case, the audit department will think that the repayment ability is insufficient, and in order to control the risk and ensure the smooth recovery of the loan, the application will usually be rejected.

2. There is an error in the loan information. When applying for a loan, the borrower accidentally filled in the wrong loan information, and may eventually be rejected because of "incomplete information" or "unverifiable".

3. The collateral does not meet the loan requirements. When a borrower applies for a mortgage loan, not only the borrower needs to meet the relevant loan conditions, but also the collateral needs to meet the loan conditions. If not, then it is impossible to apply for a mortgage loan.

4. If the personal credit information is poor, the audit department has strict requirements for the borrower's credit information. If the borrower's credit information is poor, and it is overdue for more than three times in the past two years, or it is overdue for more than six times, then the loan will not be easily issued.