First, the income is not high: now applying for a loan, the monthly income is 2,000 yuan, which is basically a minimum threshold. This line can't get through. I'm sorry, you refused. Another thing, Hui can only say, dear, you may have chosen the wrong loan product.
Reason 2: Cash salary: Some wage earners and freelancers have high salaries. Why can't they get into the eyes of banks? Excuse me! Although there is no social security, the cash salary received in the bank every month fluctuates.
Hui Judah Bian Xiao teaches you to deposit the same amount of money into the same bank card at a fixed time every month 3-6 months in advance, and some low-threshold products also recognize this cash flow.
Third, credit stain: it is common for people who are rejected because of credit stain, because they usually do not pay attention to the accumulation of credit, and as a result, they are affected when they need loans. Hui reminded that in addition to mortgages, the conditions for applying for personal loans are not "sand in the eyes". If it is overdue within 90 days in a short period of time, or if it is overdue once or twice and the arrears have been settled, you can still apply for a loan. What you need to pay attention to is whether there is "three troubles and six" (three consecutive overdue or six accumulated overdue), or if the overdue time is too long, it will be very serious.
Reason 4: White letter users: credit is spotless, but they have never borrowed from financial institutions. Such white borrowers are also prone to loan rejection. Why? There is no credit record for reference, and the bank lists you as a risk user. From the perspective of risk control, it is understandable to be refused a loan.
For example, one is to apply for a credit card, repay it on time after opening the card, and accumulate good credit for yourself; The second is to apply for the loan products of this household.
Reason five: high-risk occupations: common stable occupations, etc. , will be very popular with banks, but airplanes, chefs, construction workers, coal miners, aerial workers and even flight attendants will all be classified as high-risk occupations that are not suitable for applying for loans. These professional restrictions are also likely to lead to your loan being rejected. At this time, you may need to turn to commercial banks or companies to apply for loans.
Reason 6: Industry restrictions: In addition to occupational restrictions, many people pay the loan amount according to the principle that there can be no surplus industries because of their industries. It is also difficult for people or enterprises engaged in beauty salons, KTV, bathing or steel and paper industries to obtain loans from banks. In addition to changing the main lender, you may need to find another citizen
Reason 7: There are too many personal inquiries: personal inquiries are divided into personal inquiries and public inquiries. Generally speaking, personal credit status is inquired at least once, which is called personal inquiry. However, if it is frequently inquired by many financial institutions for reasons such as "loan approval" or "credit card approval" in a short period of time, and no funds are needed to apply for loans or cards, some conditions do not meet the requirements, and the risk of default is great. The solution is to do your homework in advance and carefully choose the bank that is most suitable for your application.
Reason 8: If there are too many company loan application records in your credit record, at this time, going to the bank to apply for a loan may also be rejected. The reason is that the financing cost of small loans is too high. If you take this financing channel for a long time, the bank will think that you are not qualified and cannot get a loan from the bank. Second, the risk of default is high. Hui suggested that individuals should not borrow more than two from the company. If they borrow too much, they will fall into a strange circle of not being able to repay the loan.
Reason 9: excessive debt: income is ok, credit is good, and applying for a loan may be rejected. Assuming that your personal debt ratio is high, banks will still consider the risk of lending. You've heard a little trick, dividing the personal credit card debt into stages, so that the monthly debt ratio will be reduced and the possibility of obtaining a loan application will be greater. However, there is a handling fee for staging, which needs to be used with caution.
Reason 10. Guarantee for others: Your impulsive emergency may affect yourself. Some people give loans to others as guarantors, and as a result, they also bind the loans themselves. If the borrower has a good reputation and repays the loan on time, the bank may give you a loan, only reducing the loan amount, but if the borrower is unreliable and fails to repay the loan within the time limit, then you will be greatly affected. It is wise to protect ourselves! After all, the guarantor has a great responsibility and may even get burned!
2. Why was the first loan application rejected?
It may be because the personal credit information is blank or the personal qualification is not enough, and the application can be resubmitted after one month.
3. What are the reasons for the rejection of the loan application?
Reasons for loan failure
1 No running water or low running water
Bank running water is the source of income. No running water and low running water prove that the source of income is poor, so it is difficult to guarantee normal repayment in the later period, and the risk of overdue is great, so banks or lending institutions naturally dare not lend.
2 Bad credit record
Credit record is the "economic identity card" of modern people. In China in the future, the influence of personal credit records is far more than loans, and employment, job hunting and studying abroad are almost all related to it. If the credit record is poor, it is naturally the fatal wound of the loan.
3 Credit Xiaobai
The credit white list is what we usually call the credit white list. White list and blacklist are relative, that is, users without loans and credit cards, banks and lending institutions can't find your credit information.
4 High debt ratio
Usually, when the loan officer examines the personal situation of the loan applicant, he will also look at the personal debt situation in addition to the credit record. If the debt is too high, the loan application will be rejected, and generally the debt above 70% will not be passed.
5 age problem
Some people are refused loans because they are too young or too old. Generally, people under 18 years old and over 60 years old need a guarantor under 22 years old.
6 Short working hours
Some loan products not only require wages, but also stipulate a certain number of years of work or years of work in the company. If it is normal for more than one year, the approval will be faster.
7 The application amount does not match.
The application amount is too high, which does not match the normal income. The monthly income is 300,000, and the loan amount is 30 million. Will the bank or loan company approve it?
8 non-specific population
For comprehensive consideration, various lending institutions will plan specific products for specific groups, such as special loans for civil servants, loans for doctors or loans for teachers. If you don't meet the professional requirements, you can't enter the exam naturally.
9 high-risk industries
KTV, gambling, nightclubs, peers and other industries are all high-risk industries and cannot be approved.
10 regional restrictions
Some regulations only allow loans in the same area. For example, parts of Hong Kong, Macao and Taiwan cannot apply for loans.
4. What are the reasons for the failure of credit cooperatives?
The applicant's personal credit report is a key factor for banks to examine when applying for loans. If the applicant has overdue records (credit card overdue, loans overdue, etc.). ) or other credit stains will become a key obstacle to applying for loans.
2.
The applicant's personal qualifications are not enough. If the bank thinks you are "not qualified", it is generally worried that your ability to repay after the loan is insufficient.