Hello! Your credit loan bank audit always fails, and there must be a gap between your qualifications and those stipulated by the bank:

Factors affecting the approval rate of personal credit loans;

Personal credit history. One of the most important factors affecting personal credit loan is personal credit record. Banks have very high requirements for personal credit records. A single overdue for more than 90 days, or 3-6 overdue within half a year, shall be approved.

Repayment ability. Whether the bank's stable job and stable salary income can repay in full and on time, if the lender's income is unstable, it will be rejected.

Proof of assets. If you have certain assets, if you can provide relevant certificates, it can effectively improve the passing rate of personal credit loans approved by banks in Guangzhou.

Liabilities. The bank will also review the borrower's debt. For example, the monthly payment has exceeded 50% of the lender's monthly income, and it is likely that the borrower's loan application will be rejected.

Personal unsecured credit loan

1, has a fixed residence in the local area, has a fixed residence in the local town, and has

2. Have the ability to repay the loan principal and interest during the legal and stable economic income period;

Behavior and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.

2. What if credit loan approval always fails?

3. The financial resources provided are insufficient, and the bank or lending institution determines that the applicant's repayment ability is insufficient; abstract

Why can't you always ask questions when applying for a loan?

Hello, there are many reasons why the loan cannot be approved. Here are a few factors for reference: Answer

1.

Personal credit records have bad records, such as overdue loans and credit cards.

2. The loan information provided by the individual is wrong or is suspected of fraud; answer

3. The financial resources provided are insufficient, and the bank or lending institution determines that the applicant's repayment ability is insufficient; answer

4, personal debt is too high to answer.

5. The comprehensive credit evaluation score is too low, which does not meet the standards in the next paragraph; answer

6. The applicant's job or income is unstable.

3. What if credit loan approval always fails?

Hello! There must be a reason why your credit loan bank can't pass the examination. You'd better find out why first. Generally, it is different from the qualification stipulated by the bank: influencing factors of personal credit loan approval pass rate: 1, personal credit record. A very important factor affecting personal credit loan is personal credit record, which is highly valued by banks. Banks have very high requirements for borrowers' credit records. If a loan is overdue for more than 90 days at a time, or 3-6 times within half a year, the bank will not approve the credit loan. 2. Repayment ability. Banks pay special attention to checking whether the lender has a stable job, a stable wage income and the ability to repay in full and on time. If the lender's income is unstable, it is easy to be rejected by the bank. 3. Proof of assets. If you have certain assets, if you can provide relevant certificates, it can effectively improve the passing rate of personal credit loans approved by banks in Guangzhou. 4. liabilities. The bank will also review the borrower's debt. Once it is found that the borrower's debt is too high, for example, the monthly payment has exceeded 50% of the lender's monthly income, it is likely to reject the borrower's loan application. Application conditions for personal unsecured credit loan: 1, having a fixed residence in the local area and a fixed residence in the local town, and having full capacity for civil conduct; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. There is no bad record on the national credit record; 5. Other conditions stipulated by the bank. If you are not very professional, I suggest looking for a loan service platform, which can give you professional advice according to your situation. If you are in Guangzhou, you can use Baidu Guangzhou as the first platform for credit loans.