At present, the lowest cost method to apply for a loan is bank loan, which is welcomed by borrowers because of its high amount, low interest, safety and reliability. The bank loan review is very strict, so what information should the bank review before lending?

1, personal credit: credit report is very important to everyone. As long as the credit report is good and has advantages in many aspects, banks will require it when submitting loan applications to banks. If the credit report has overdue records, it is easy to refuse the loan, commonly known as the "blacklist". Therefore, we should maintain good credit at ordinary times. Fresh graduates can try to apply for a credit card. Repayment on time can accumulate a good record and help you apply for a loan in the future.

2. proof of income: proof of income is an important audit material, because it can guarantee the borrower's repayment ability. The loan amount audited by the bank is also determined according to the income certificate and bank flow. Generally speaking, if there are no other liabilities, the next loan amount is about half of the monthly income, which can be issued in the company and stamped with the official seal.

3. Daily statement: The bank will review the daily statement of the bank. Many problems can be seen from the transfer records, collection records and expenditure records. If the expenditure is far greater than the income, it means that the consumption power is high. If there has been no income, it means that the financial situation may be very bad, and it will be analyzed in combination with other application materials.

4. Personal information: Generally speaking, it is difficult for newly graduated college students and retirees to apply for large loans. Such people belong to the category of poor repayment ability, but they can borrow money in other ways. Married people want more stability, so it is easier for banks to lend.

The above is the introduction of what information the bank will review before lending. If your loan fails, you should pay attention to whether the above information is missing.

What are the contents of bank loan audit? These four points are very important!

; ? The lowest cost way to apply for a loan is bank loan, which is very popular with borrowers because of its high amount, low interest and safety. The bank loan review is very strict, so you should pay attention to the following contents. Knowing in advance will help you prepare your loan application.

1, personal credit information

Credit report is very important to everyone. As long as the credit is good, it has advantages in many aspects. If you submit a loan application to the bank, the bank will ask for a credit report. If the credit history is overdue, it will be easy to be refused a loan, which is also commonly known as the "blacklist". Therefore, we should maintain our own credit at ordinary times. Fresh graduates can try to apply for a credit card. Repayment on time will accumulate a good record, which will be helpful for you to apply for a loan in the future.

2. Proof of income

Income proof is an important audit material, because it can guarantee the borrower's repayment ability. The amount of loan approved by the bank is also determined according to the income certificate and bank flow. Generally speaking, in the absence of other liabilities, the next loan amount is about half of the monthly income, which can be issued in the company and stamped with the official seal.

3. River bank flow

Banks will review the bank flow, and many problems can be seen from the transfer records, collection records and expenditure records. If the expenditure is far greater than the income, it means that the consumption power is high. If there has been no income, it means that the financial situation may be very bad, and there is suspicion of living in an open space, and then combined with other application materials for analysis.

4. Personal information

Generally speaking, the age of 25-40 is more popular, followed by 18-25 and 40-50. It is difficult for newly graduated college students and retirees to apply for large loans, and they are all people with poor repayment ability, so they can take other forms of loans. In the eyes of banks, married people are more stable than single people, and married people are more likely to get loans. Borrowers' occupations, such as civil servants, teachers, doctors and employees of top 500 enterprises, have higher and more stable incomes.

The above is what most bank loans will be audited. It is suggested that you submit your homework before applying, such as inquiring about credit information and moving bricks in advance, which will help improve the success rate of applying for loans.

What does the loan review generally review? These are the most important things!

; ? Now, whether you go to the bank for a loan or borrow money through mobile phone software, you need to review it. Review time varies from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is an important object of review. So what is the specific content of the review? Let's get to know each other.

Loan records for one or two years

The credit report will have the borrower's detailed personal data and loan records, and banks and financial institutions will focus on six aspects. First, the lending institutions, second, the total amount of loans, third, the types of loans, fourth, how many loans are still outstanding, fifth, the amount of loans to be repaid every month, and sixth, the situation in loans overdue.

As can be seen from the above, the borrower's debt ratio and repayment pressure are not great, so it can be judged whether the borrower has enough repayment ability to avoid the subsequent loan being unable to repay due to excessive pressure.

Second, credit card records.

Information such as application, installment, overdue and rejection can be reflected in the credit report. Banks mainly look at the current number of credit cards, the total overdraft of credit cards and the overdue situation of credit cards.

I suggest you don't apply for too many credit cards, 2-5 or so are more suitable, too many will inevitably tx.

If you are suspected of returning a card with a card, it will be more difficult to handle other business.

Third, personal data.

Bank financial institutions will compare personal information such as name, education background, date of birth, age, home address, contact information, marital status, work unit, telephone number, education background and spouse information with the loan application form to see if there is anything false or forged.

In short, the loan review will not only compare your personal data, but also analyze your assets and liabilities to see if you meet the conditions for loan and card application. If you don't meet them, you will refuse them directly.

What will the bank review when approving loans?

The general bank will review the lender's personal family situation, personal credit information, income level, debt situation and the number of housing loans under his name.

1. Personal family situation

Personal family information includes borrower's personal information, family information, borrower's age, which the bank needs to verify. The age of the applicant will affect the loan period and loan amount to a certain extent.

2. Personal credit information

Personal credit record is a point that banks attach great importance to when approving loans, such as daily mobile phone arrears, water and electricity bills arrears, overdue credit card repayment and so on. This will leave a stain on your personal credit record. When the bank examines your personal credit information, if your personal credit information is poor, it can directly lead to loan refusal.

3. Income level

Your income level is reflected in the income certificate and bank running water, and your income directly determines whether you can get enough loans. The loan amount, loan term and monthly payment are interrelated and influence each other. If your income is not enough to pay the monthly payment, the bank will not approve the loan.

2. Under what circumstances will an application for a loan be rejected?

People who apply for loans with false information, have the nature of fraudulent loans, and have very poor personal credit information will be refused loans. The age of the lender may also affect the application for commercial loans. Lenders are older, and banks generally do not accept loan applications.

1. Personal credit record is poor

In principle, banks can refuse to lend if they have accumulated six overdue records for three consecutive times in two years. Overdue records include credit card repayment, mortgage repayment and car loan repayment. The overdue record will appear on your credit record.

2. People who provide false information

When applying for a commercial loan, if the applicant submits false information, once the information is found to be untrue by the bank, the bank will refuse the loan. Even if the personal credit record is good, it can't be recovered.

3. It has the nature of fraudulent loans.

Fraudulent lending refers to inflating the loan amount and increasing the loan risk of bank lending institutions when applying for loans, which will be considered as fraudulent lending. For example, 3 million house, brother loan, 3.3 million price, fictitious transaction, loan. There are unrelated relationships, fictitious transactions, increasing the loan risk of banks and other lending institutions, which is also considered as fraudulent loans.

4. The lender is older.

Usually, the bank stipulates that the applicant 18-65 years old, among which 25-40 years old is the welcome crowd of the bank, followed by 18-25 years old and 40-50 years old, 50-65 years old, and the application for housing loan is generally not approved. Because the older the lender is, the greater the chance of health problems, which will affect the repayment of the loan, so the higher the risk the bank will bear.