Personal credit reference is one of the important criteria for banks to consider the conditions for borrowers to apply for loans, and borrowers with bad credit are easily refused loans by banks. The bad credit mentioned here mainly includes overdue, loans overdue, guarantee for others, failure of the other party's loans overdue, etc., which will form a credit stain on the applicant, even if it is consulted by several banks.

The second-hand house is too old.

Banks also have requirements for the age of the houses they buy when approving loans, because mortgage is based on houses, and second-hand houses are different from first-hand houses, so the values of houses with different ages and different qualities are bound to be different. For older houses, generally more than 20 years, banks will not issue loans.

3. You are too old

Usually banks have restrictions on the age of borrowers, and the stipulated age is 18-65 years old. If the borrower is 50 or 60 years old, at this age, he is afraid of physical problems, and the bank will bear greater risks.

4. People engaged in high-risk occupations

Such as personnel engaged in high-risk industries such as aerial work, dangerous chemicals, fireworks and firecrackers. Considering that such people can't always guarantee repayment, banks choose to refuse loans in order to avoid risks.

5. Liabilities are greater than income.

If the monthly income can't make ends meet and there is no balance, the bank will directly refuse.

6. People with unstable jobs

Borrowers engaged in the sales industry are easily rejected by banks, because the income of sales professionals is uncertain, sometimes high and sometimes low, and banks cannot accurately evaluate their repayment ability, so they may refuse.