Nowadays, many people are in urgent need and are embarrassed to ask someone to borrow money. Metropolis has to apply for a personal loan from the bank. However, the bank's personal loan threshold is relatively high and it is easy to fail. However, if we can find the cause of the failure and take some remedial measures in time, we may succeed.

Analysis of the reasons for the failure of personal loans in banks 1. Personal bad credit is an important certificate for handling bank financial institutions. It has been emphasized many times before that if the personal credit report is a black household, it will be put directly into the black room. As long as there is a continuous record, such people are likely to be rejected when applying for a mortgage. 2. If the wage income is not enough, and the monthly wage income is similar to or lower than the loan amount, the bank will not give you a loan, because the bank is worried that there will be a risk of non-repayment, so it is necessary to ensure that its income meets the standard first. 3. Bank reasons The bank may make the loan time longer or fail because of some policies. If this happens, you don't have to worry. The bank will bear part of the loss. 4. Reasons for Callback Some banks will call back when reviewing materials. If you quit your job halfway, the bank will find that you are no longer working in your original place, which means that your income is unstable and you may be rejected. How to remedy the failure of bank personal loan application? 1. Reduce the loan application amount, increase your income, prepare all the bank information and bring all kinds of financial proof materials before applying, but it is best to apply at intervals of more than 3 months. Many banks have personal loans. If you can't do this, change to another one. Don't always dwell on the same bank. 3. Find a guarantee company to apply for a loan, and the loan pass rate will be higher.

Second, what should I do if the bank mortgage fails?

Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.

1. Information required for mortgage loan:

3. The original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached);

Original purchase agreement;

1 Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

The developer's collection account number is 1.

Two. Mortgage loan conditions:

Age 18-65 years old, with full capacity for civil conduct;

Pay a down payment;

Have a stable legal income and the ability to repay interest;

The Borrower agrees to use the purchased house and its rights and interests as collateral;

The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

The purchased house is not within the scope of the announcement;

Other conditions required by the lending bank.

Third, the process of mortgage loan:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

3. What should I do if the bank loan is not paid for the time being?

Bank loan repayment, establish a good reputation, and then apply for a loan. If you don't know whether the loan is due, you can apply.

If the borrower fails to repay the bank loan on time, the banking institution will take the following measures:

1. The bank will call the borrower to collect debts.

2. If the loan is repaid, there will be a certain penalty interest, which will cause you a bad credit record.

3. If the borrower still delays repayment, the bank will

4. Finally, the following measures will be taken:

(1) auction the property, and the proceeds will be used to realize its creditor's rights.

(2) If there is a guarantor, ensure that

(3) Blacklist your company and report it to the credit information system of China People's Bank.

(4) Bring a lawsuit against the company, and apply for compulsory execution of other properties of the company after the judgment becomes effective.

(5) Apply for subrogation of the company's creditor's rights.

Internal operation:

(1) personnel, reviewers, approvers, etc. ) responsibility

(2) Report by the Bank, the Head Office, the Banking Regulatory Bureau and the People's Bank.

(3) Write off, replace or package the auction creditor's rights.

Impact: According to the regulations, if the loan owed to the bank for three consecutive times or 90 days in total cannot be returned, it will be handled by the credit bureau. If the bank loan is repaid, five-year payment and other related businesses.