Personal credit is bad. Personal credit information is the primary standard of bank loans. In particular, bank credit loans have higher requirements for borrowers' credit information, and borrowers' credit information is slightly flawed, which easily leads to the failure of bank loan approval. In addition to borrowers, bank mortgage loans also have certain requirements for collateral. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability. The bank loan application is not approved, largely because the borrower's personal income level can't meet the repayment amount, or the borrower has not paid off several loans, and the credit situation can't meet the repayment requirements, so the probability of applying for approval is very small. Personal debt ratio is too high. Generally speaking, the reasons for the failure of handling bank loans are not only the lack of stable jobs, but also the borrower's personal debt ratio is too high. How to judge personal debt ratio? Under normal circumstances, the bank's assessment standard for the debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, banks will refuse to lend.