Users can provide personal certificates of other assets, such as business licenses, bank accounts, tax records, etc. of self-employed individuals with small businesses. You can also provide personal property, such as houses, vehicles, shops, etc. It can prove that the applicant has sufficient repayment ability, and the bank may not necessarily check whether the user has a stable job. If the loan is rejected because there is no stable job, in addition to the above solutions, you can also improve the pass rate by promoting the repayment person or providing a guarantor. * * * The repayment partner is usually a married spouse. If parents are still young, they can also be borrowers. The guarantor can be a relative of the user or a friend of the user. The guarantor should have good credit information and excellent repayment ability. If the lender fails to repay the loan on time, the bank will collect its guarantor to help repay the loan. The above is how the loan proves its repayment ability.

Advance repayment process

1. Check the requirements for prepayment in the loan contract, and pay attention to whether it is necessary to pay liquidated damages;

2. Prepare relevant materials for prepayment and apply to relevant departments for prepayment;

3. Submit the prepayment application form and deposit the prepayment in the counter.

How to Eliminate loans overdue Records?

Credit reporting agencies keep personal bad information within 5 years from the date of termination of bad behavior or events, and the credit card will be automatically deleted if it is overdue for more than 5 years. If the credit card is overdue, the user should pay off the credit card debt in full at the first time, and then explain the overdue situation and reasons to the bank that issued the loan. If the cardholder has a good repayment record and always repays on time, and the overdue is indeed caused by non-subjective malice, the bank may not report to the central bank for credit investigation within a few days after the overdue time.

What is the reason why the loan was rejected?

1, the user has a bad credit report and has a bad credit record;

2. The debt ratio is too high, and the lender has a greater risk of overdue payment to the user;

3. The repayment ability is insufficient, and the user has no stable job and income; The applicant's age does not meet the loan conditions;

4. The applicant is a student at school. For users, it is best not to apply for a loan for a short time after the loan is rejected. Applying for a loan within a period of time is conducive to the recovery of credit information.

Is there an age limit for loans?

Loans have a minimum age limit and a maximum age limit. The minimum age limit is generally 18 years old and the maximum age limit is generally 60 years old. Therefore, the age of the loan applicant needs to be between 18- 60 years old. If you are not in this age range, users cannot submit loan applications. There is also a special restriction that 18 years of age or older, non-student users can apply for loans. Before the user applies for a loan, the loan product will inform the application criteria. If the individual's basic assessment does not meet the loan standards, then the audit results after submitting the application are mostly unsuccessful. This paper is mainly about how to prove the repayment ability of a loan, and the content is for reference only.