This is particularly critical. Lenders are more willing to lend money to reliable people in order to ensure the safety of funds. Most people who are overdue for three times in a row (three times in a row or six times in total) will be directly refused loans.

low income

Usually, customers whose personal income meets the demand of loan products can get loans. Take the loan behavior as an example. If the borrower has no foreign debt, the loan can only be approved if the monthly income reaches at least twice the monthly payment.

Personal work is unstable

State-owned enterprises, institutions, teachers and other borrowers with stable jobs are often more likely to be favored by financial institutions; Borrowers, such as employees of start-up companies and individual businesses, may be rejected when applying for loans because their jobs are not very stable, and the amount of loans they apply for will also be reduced.

Age is not up to standard

It is not difficult to find that most lending institutions often have certain restrictions on the age of borrowers in terms of loan application conditions. Borrowers are often required to be between 18-50 years old. These borrowers often have strong repayment ability, and friends who are not in this age range are likely to be rejected. However, different products often have different age requirements for borrowers, so you can compare them more when choosing.

Industry or geographical restrictions

Because different products have different targets, if a loan product is only open to people in a specific industry, then no matter how good the user qualification is, it is impossible to apply. To this end, borrowers often need to know more about the products and choose the loan products that suit them before applying for loans.