As we all know, the threshold for applying for bank loans is high, but because the loan amount is relatively large, some small partners can only choose to apply for bank loan platforms. According to the actual situation, some of the applicants were rejected by the bank. Do you know how long it takes to reapply for a bank loan after it has been rejected? No less than this time is recommended!

Under normal circumstances, the bank loan is refused because of your own will, and the bank has no relevant restrictions. However, from the actual situation, I suggest you apply again next month. First of all, too many applications for loans within one month will easily lead to changes in credit data and increase the probability of loan rejection. Secondly, after the loan is rejected, everyone needs to clarify the reasons and then optimize the qualifications. It usually takes one month to update the relevant qualification data, and the credit data of that month will not be updated, and it needs to be re-applied or rejected for the same reason. You'd better wait until next month to apply. However, there are also a small number of users whose loans have been rejected for serious reasons, and they may not be able to apply again in a short time, because there is still a high probability of being rejected.

At present, among the many reasons that lead to the rejection of renren's loan, the most important reason is the ability to collect and repay. Everyone needs to ensure that the current credit qualification is good. If the data is only spent a little, the impact will not be too obvious. However, if there are overdue stains or other serious problems in the current period, it will easily lead to loan rejection. The second is to ensure that you have enough repayment ability, not only have a stable source of income, but also need to control the debt ratio in your name. The higher the debt ratio, the lower the repayment ability. If it exceeds 50%, it will easily lead to loan rejection. You must pay attention to these two points when you apply for a bank loan.