1. It takes three days to apply for a bank credit loan because the bank is reviewing the information submitted by the borrower. The risk control of each bank is different. Some banks are subject to strict auditing, requiring coordinated supervision by multiple departments, which may delay the auditing process. Pure credit loans are generally automatically reviewed by the system, and whether or not to grant the quota is automatically judged according to the borrower's qualifications, transaction records and credit. Credit loans with higher thresholds need manual review, which may be slow.
2. There are three main reasons why the next payment cannot be made after the credit loan is approved. The first authorization amount is not enough, and the credit degree is different from other loan products. The daily authorized loan amount is limited, so if the approved loan amount exceeds the authorized loan amount of that day, it is necessary to wait until the loan amount meets the loan demand before entering the next payment procedure. Second, the system network is unstable, and the credit loan approval requires high network stability. If the network is unstable when the next loan is approved, the speed of the next loan will be delayed. Third, the system is updated and maintained. In order to ensure the security of the system, the system will be updated and maintained regularly, and the next operation will stop during the system update and maintenance.
Before many lending institutions issue loans, credit managers will contact borrowers by phone and ask some questions. This is telephone audit, referred to as electronic audit. Loan audit mainly examines personal basic information, such as name, ID number, monthly income, occupation, nature of work unit, working years, marital status, spouse occupation, etc. In this step, the auditor mainly checks the authenticity of the information filled in by the borrower, such as identity, income and position. In addition, if the borrower's spouse has a stable job and expresses support for the loan, it can also add points to the loan. Debt situation, debt ratio and loan success rate are inversely proportional, that is, the more debt, the lower the loan success rate. Each lending institution has a different bottom line for the debt ratio. Some lending institutions allow borrowers with a debt ratio below 50% to apply for loans, while others raise it to 70%. This can actually be made up by some small details. For example, you can declare your total income by family, or tell you other income besides salary to increase the confidence of loan officers in lending. In the case of overdue, if the borrower has a record of overdue before, then the lending institution will reconsider whether to give you a loan. I believe everyone knows this. Moreover, personal credit records are also closely related to overdue situations. Different loan products have different requirements for the strictness of credit reporting. Some products will be rejected if they are overdue once, and some products are overdue no more than three times within two years, and the overdue days are within 90 days. If it is overdue, when answering this question, you must actively explain the reasons for the overdue. The reason is very reasonable, and small credit flaws will not affect the loan.