1. Why do you prompt that you can't apply for a loan temporarily?
In fact, you were rejected in disguise. You can't apply for this loan for the time being, and it may take a month or even three months to reapply.
1, poor credit information. Banks have high requirements for personal identity information. If you have a bad credit record, these will lead to your loan application being rejected.
2. Personal information. If the personal information is incomplete or suspected of fraud, it will also lead to the rejection of the loan application, and may even be considered as suspected of fraudulent loans.
3. Personal liabilities. Even if the applicant's income is good, if the debt ratio is too high, the bank will refuse everyone's loan or credit card application. In particular, loan products such as online loans and loans that banks are sensitive to now, once used, are likely to directly lead to loan rejection.
Second, what should I do if I can't apply for a loan temporarily?
1, don't apply often. Once rejected, don't apply for the product for the time being. You can change the organization or try a different product.
2. Fill in the information. Most loan application materials include some additional items of credit certificate, such as sesame sub-authorization, credit investigation, e-commerce authorization and other materials, which are as complete as possible.
3. The debt ratio is too high. We can reduce the debt level by paying in installments, or increase the spouse (parents) as the co-payer to reduce the repayment pressure.
In short, mobile phone number, sesame score, marital status, job, income level, education, credit qualification and other factors may affect the final result.