1, overdue seriously.
A good credit record is a prerequisite for applying for a loan. Usually, according to the different types of loans, the requirements for borrowers (and spouses) are different. General mortgage loans need more than three levels of credit information, and credit loans need more than two levels of credit information. It is difficult for borrowers whose credit information is seriously overdue to enter. In addition, the annual credit card fee, or the overdue due to small debts within 500 yuan, will be handled by the general loan officer as appropriate.
Note: There are currently overdue items that must be handled! Otherwise, it will be passed directly.
2, the debt is too high
Asset-liability ratio is one of the important factors in loan approval. Usually, the tolerance of loan approval (household asset-liability ratio) is within 70%, and if it exceeds 70%, it will be considered as over-indebted, and the probability of loan rejection is very high.
3. Weak secured loans exceed the limit.
Many banks in the market have given all kinds of credit loans: joint guarantee loans, micro-loans, POS loans, running loans and so on. Many borrowers have obtained weak secured loans from banks through business circles, trade associations and chambers of commerce, ranging from 1 to 3-4. Banks have raised the threshold when accepting customers, especially credit loans. Generally, there are no other weak secured loans, or no more than two loans. At the same time, the amount is also limited, generally within 6.5438+0.5 million (the standards of different banks are different).
4. Lack of information
In the process of loan, borrowers often go back and forth to the bank because of incomplete information. Some borrowers gave up their loan applications because they were too troublesome, and some borrowers were rejected because they could not provide complete information. Therefore, before lending, it is necessary to clarify the requirements of the information needed for the loan, saving time and improving efficiency.
5. Insufficient running water
Bank running water is regarded as an important reference for borrowers' repayment ability. Most banks have made specific requirements for the quarterly interest settlement of running water in the loan review requirements, and borrowers whose interest settlement is not up to standard are not allowed to enter.
Frequently inquiring about credit records in the past six months shows that borrowers have a large demand for funds and there are potential risks.
6. False information
Whoever provides false information for any reason and in any form during the loan process will be directly rejected by the bank once it is discovered. Not only can it not apply for a loan, but it may also be blacklisted.
7, involving prohibited industries
It is difficult to approve loans involving overcapacity industries such as steel trade, chemicals and cement, as well as restricted industries such as real estate, investment, entertainment, high pollution and high energy consumption.
8. Bad living habits
During the investigation, it was found that borrowers were involved in unhealthy living habits such as gambling and drug abuse, and the credibility of "talking nonsense" was not high, which would also affect the approval of loans.
9. Inconsistent use
If you apply for a consumer loan, but the funds are actually used for production and operation, the loan funds are used for investing in the stock market and participating in private lending. , and in the process of loan review, it is verified that the actual use of loan funds does not match, and it will be directly pass away!