1. Bad credit record: Banks and financial institutions usually evaluate the credit qualification of applicants through third-party big data risk control platforms, such as "Xiaoqi Credit Information" and Sesame Credit. Therefore, it is very important to maintain a good credit record. Online loan blacklist data is shared by * * * *. If the personal credit record is poor, the good credit record may be lost, which may lead to the rejection of the loan application.
2. Insufficient repayment ability: The bank will consider the repayment ability of the applicant when reviewing the loan application. If the income is unstable, the debt burden is too heavy or other liabilities, the bank may think that the borrower can't bear the extra loan burden, so it refuses the loan application.
3. The house valuation does not meet the requirements: the bank will evaluate the house. If the appraisal result is lower than the amount of the loan application, the loan application may be rejected. In addition, if the market situation where the house is located is not good or there are other uncertain factors, the bank may be cautious about the loan application.
4. Incomplete or inaccurate loan application materials: The submitted loan application materials are very important to the audit results. If the materials provided are incomplete, inaccurate or do not meet the requirements, the bank may need the applicant to provide more supporting documents or refuse the loan application.
5. Other factors: In addition to the above, there are other factors that may lead to the rejection of the loan application. For example, the applicant's job stability, age, loan amount, loan purpose, etc. , which may have an impact on the audit results.
In short, there are many reasons why the application for housing loan is rejected, including poor credit record, insufficient repayment ability, unqualified housing valuation, incomplete or inaccurate loan application materials, etc. In view of these situations, it is suggested that applicants should keep a good credit record before applying for a loan, plan their income and debts reasonably, prepare complete and accurate loan application materials, and maintain good communication with banks to increase the chances of successful loan application.