It is good that the credit report is clean and the personal conditions meet the requirements of bank loan products. If you have a black account, that's not good.

Can I pass the loan after it is imported?

You may not be able to get a loan, but a loan only means that you are allowed to submit your loan information to the bank for approval. If the follow-up audit does not meet the requirements, you still can't get the loan. Submitting shows that you have met the basic requirements of the loan, but it does not mean that you can approve it. It usually refers to an act of submission. In addition, it also depends on the nature of the loan. General loans need to be reviewed. When the loan comes down, it means that the loan can be successful, and the import only means that the audit has just begun. The general process of loan application is to enter personal information (that is, what we call communication), and then wait for the preliminary examination. After the loan is approved in the first instance, it does not mean that it has passed the examination.

The first trial of a general loan is that the staff reviewed the information provided by the borrower and found no problems. After the preliminary examination is passed, the staff will report the application materials that have passed the preliminary examination to the branch at the next higher level for final examination. The staff of the branch will re-evaluate the comprehensive qualification of the borrower, and if there are no serious problems, they will pass the examination and approval, and then consider the loan application approved.

If the first trial is passed, there will be a final trial. Many institutions adopt manual audit in this branch, and will call the applicant and emergency contact person to verify the applicant's work occupation and family situation, and understand whether the user has the ability and willingness to repay the monthly principal and interest. If the risk is high, it will be rejected. If the risk is low, it will be approved.

There are many reasons why the loan cannot be approved. Here are some factors for your reference:

1. Personal credit record is bad, such as loans overdue and credit card;

2. The loan information provided by the individual is wrong or is suspected of fraud;

3. The financial resources provided are insufficient, and the bank or lending institution determines that the applicant's repayment ability is insufficient;

4. Personal debt is too high;

5. The comprehensive credit evaluation score is too low, which does not meet the standards in the next paragraph;

6. The applicant's job or income is unstable.

I applied for more than 60 online loans. Can an offline manual loan be approved?

Can't get through. According to the network data query, there are more than 60 applications for offline manual loan review, which is based on the actual situation of users' credit qualifications.

Excuse me, is the loan review in your strict and easy to pass?

1. Compared with other loan platforms, the review of your loan is relatively strict. The applicant has worked in the current unit for more than half a year, and the unit has paid social security or provident fund for him for six periods. You can only apply at the age of 23, and you must provide a detailed credit report for two years. However, if you upload all the information he requested, the audit will be easy to pass.

2, the latest products up to 50000.

3. The audit of this small loan platform is not very strict. You can apply if you have a job, and the approval rate is still quite high. If you want to get a loan from Renren, you can apply directly.

4. The loan process of Renren Loan is very simple. Just follow the steps and you can borrow it.

5. The first step is to register as a Renren loan user and complete the identity authentication.

6. Step 2: Select the loan product to start the application.

7. Step 3: Upload the necessary application materials.

8. The fourth step is to start bidding after the approval.

9. After the bid is full, the loan will be released immediately after the loan is completed, and then you only need to pay it back once a month.