When applying for a bank loan, there are many links that cannot be touched. From submitting application materials to receiving calls from credit review, from proving personal qualifications to collateral, borrowers go through many links, and in these links , if you are a little careless and enter the following minefield, it will be a matter of minutes to be rejected by the bank. The details are as follows:

1. Untrue personal information

To apply for a loan, you need to fill in an application form. The application form is full of personal information. If even the personal information is not true, the bank will believe it. A borrower?

2. Falsified information

The borrower's qualifications are too weak. In order to increase the loan limit, the submitted information is falsified. Especially these types:

Fake balance sheet: The balance sheet is an important basis for determining the loan limit. In order to obtain a higher loan amount, some borrowers will not hesitate to spend money to find someone to do the balance sheet, thinking that this will be foolproof. However, when reviewing the transaction, the lending institution will not only verify the transaction through official bank channels, but also verify the ins and outs of a specific amount. If a certain amount cannot be traced, the basic loan will be useless.

Fake credit reports: Some borrowers tamper with their credit records because of poor credit records, thinking that they can get away with half-truths and half-falsies. But everyone must be aware that no matter how perfect the counterfeiting technology is, it will be clear as long as the risk control is reviewed through official channels.

Contract falsification: After the sales contract is provided, the payment is usually collected by a third party, but the borrower deliberately falsifies it in order to obtain more credit, and then obtains multiple loans from the other party's account for other high-end loans. venture capital. Nowadays, banks have a high bad debt rate and strict regulatory agencies. Borrowers must provide a true sales contract. If it is discovered before the loan is approved, the loan will be 100% refused. If the loan is found to be backflowed after the loan is approved, the bank will force the loan to be recovered and blacklisted.

3. Bad credit

Personal credit report is one of the most important basis for judging whether a person can get a loan. Whether applying for a credit loan or getting a mortgage, the lending institution Borrowers will be asked to provide it. So if the following two situations occur in your credit report, it will be a matter of minutes to be rejected for loan:

Poor credit record: Lending institutions generally focus on the borrower’s credit report in the last 24 months. If Your credit report appears to be overdue multiple times in a row, or the credit card in your name has accumulated three or six credit cards in a row.

Frequent credit inquiries: A person generally only checks his credit report when he is borrowing money. If your credit inquiry record is too frequent, it is usually a fishing net for borrowing money. This way of borrowing money will make financial institutions determine that you are very short of money and have a high risk, and will be denied a loan.

4. Attitude

To be specific, it means not cooperating with the lending institution or credit manager, such as repeatedly breaking appointments, having no sense of time, not cooperating with risk control investigations, and not answering risk control calls. Positive and so on. This will not only affect the loan processing progress, but also affect the loan approval results, especially risk control, which is the most important part of the loan review. If you do not cooperate, the loan will not get final approval.