1, bad credit record. Credit is the only collateral for bank credit loans, and it is also a major focus of bank approval. In general, the minimum requirement for credit loans is credit rating II. If the previous loan is not repaid or seriously overdue, the bank will not agree to issue the loan for risk reasons. Therefore, if you want to successfully apply for a bank credit loan, you must safeguard your personal credit.
2. Insufficient repayment ability. The repayment ability of users is the key to the success of loan application, and the threshold set by banks is for the final repayment of users. At this time, even if the user's personal credit is good, but there is not enough repayment ability, it is impossible to successfully pass the loan approval. Therefore, friends who want to apply for credit loans must have certain repayment ability.
3. The debt ratio is too high. If the personal debt ratio is too high, it will make banks question the repayment ability of users and have a negative impact on the loan application results. Therefore, if users want to successfully pass the examination and approval of credit loans, it is best to pay off some debts before submitting loan applications to reduce personal debt ratio, thus improving the success rate of applying for loans.
4. Providing false information. Banks usually take the loan application data submitted by users as important reference data, and decide whether to issue loans on this basis. Therefore, in order to obtain a higher loan amount, many people do not hesitate to forge bank running water and other methods, but they do not know that banks will investigate users' personal income. If it is found to be inconsistent with the facts, it will not only refuse to lend money, but even blacklist it and become a user who refuses to contact the bank.