The second reason is that after applying for the quota, when the loan is officially signed, the platform will also conduct a second review of the customer's qualifications. During the second trial, it may also be rejected, and the second trial may be rejected. You can try to apply again at a different time in the future. We don't call back during the whole application process, and we can approve the loan within a few minutes after submitting the materials. However, after the loan is issued, it may not be repaid. When the loan is formally signed after the loan is issued, the employer will have a second audit. In the second audit, the employer thinks that the customer's qualification is not up to standard, and it will also refuse.
1. Operating revolving loan: also known as productive revolving loan or commodity revolving loan. Loans obtained by enterprises from banks or other financial institutions because their working capital cannot meet the needs of normal production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans can handle loans with loan receipts.
2. Temporary loans: short-term loans that the normal working capital of an enterprise cannot meet the needs due to seasonal and temporary objective reasons and exceed the turnover of production or commodities. Temporary loans are subject to "one-by-one nuclear loan". The loan term is generally 3 to 6 years, which is used according to the specified purposes and returned according to the accounting period.
3. Settlement loan: when the sales payment is settled by collection and acceptance, the enterprise borrows money to solve the funds needed in transit after the goods are sent out and before the payment is received. If an enterprise collects money from the bank within the specified time limit after delivery (usually 3 days, but not more than 7 days in special circumstances), it may apply for collection and acceptance to settle the loan. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of selling goods plus prepaid transportation and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.
4. Discounted bill loan: In case of difficult business turnover, the loan using bank acceptance bill or commercial acceptance bill can be applied for flying discount, and the term generally does not exceed 3 months. If the current loan amount is generally the floating face value after deducting the discount interest, then the discount loan interest is the bill discount interest, which is deducted by the bank first when discounting.
5. Seller's credit: a loan applied to a bank by an enterprise whose products are included in the national plan and whose quality is in the leading position in the country because of the approval of installment sales and insufficient production and operation bonuses. This kind of loan should be repaid in installments according to the repayment progress, and the term is generally 1 to 2 years.
6. Pre-deposit loan: money borrowed from banks by commercial enterprises for purchasing agricultural and sideline products and issuing pre-deposits. Such loans are issued according to the varieties stipulated by the state and the approved plans, and special account management is implemented. The longest loan term shall not exceed 1 year.
7. Special reserve loan: the money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.