Even if it is a normal loan business, if the bank manually examines it. Only refund will be given, or some unsolvable problems will be returned to you, and you will not refuse.

The common situations of bank loans are: 1, and the borrower's income does not meet the requirements stipulated by the lending institution. Either the income is stable or the income is not high enough; 2. The borrower's credit is very poor. Have a bad credit record in the bank; 3. Personal assets are relatively poor and there are no assets; 4. Incomplete data preparation; 5. When the bank's quota is tight and the loan is difficult, it is possible to refuse the loan; 6. Other circumstances.

What are the bank loan terms?

What are the bank loan terms? Bank loan conditions include personal credit loan conditions, housing mortgage loan conditions, college students' entrepreneurial loan conditions, self-employed loan conditions, housing mortgage loan conditions and automobile loan conditions.

First, personal credit loan conditions

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

Second, the housing mortgage loan conditions

1, identification (both husband and wife);

2. Marriage certificate;

3. Household registration book;

4. Proof of income and bank flow in the last six months; (or other proof of assets)

5. Real estate license; (or copy)

6. Proof of loan use;

7. The identity certificate of the payee and the payee account number;

8. Water and electricity charges for the latest building.

Three, the conditions of college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Four, self-employed loan conditions

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.