Explain that the conditions for loan application have not been met.
The lender does not meet the requirements of fast loan, so it is impossible to apply for a loan. Construction Bank loans generally meet the following conditions:
(1) legal status.
(2) It has stable economic income, good reputation and the ability to repay the principal and interest of the loan.
(3) Effective documents such as purchase, overhaul and building contracts and agreements required by the lending bank.
(4) The assets confirmed by the loan bank are mortgaged or pledged, or (and) legal persons, other economic organizations or natural persons have sufficient compensation.
(5) Other conditions of the lending bank.
Extended data
1. During the examination and approval process, personal credit was found to be tainted. Generally speaking, loans overdue records and overdue credit card records will be kept in credit records for 5 years. Therefore, the credit stain within five years may lead to the rejection of CCB's fast loan with a quota.
2. When doing business in the bank, we found that everyone had abnormal behaviors such as information fraud and fraudulent use. Before the bank knows the truth, it will not easily provide loans to borrowers.
3. The borrower recently had a debt dispute and was included in the list of untrustworthy people by the court. In this case, CCB's fast loan will not be granted to everyone.
4. CCB's fast loan has tightened lending efforts. If everyone's comprehensive credit level is not very high, then they may be rejected.
How is it that applying for quick loan from CCB shows that there is no quick loan quota?
The loan market is getting hotter and hotter, and many loan methods and loan products have sprung up like mushrooms after rain. Many friends want to apply for quick loan from CCB, but the quick loan from CCB shows that they have not got the quick loan quota for the time being. What happened?
Let's see what are the application conditions for borrowers to apply for quick loans from China Construction Bank?
(1) The borrower must be at least 25 years old (inclusive) -60 years old (inclusive);
(2) Personal credit status is good;
(3) The borrower must be a resident of Chinese mainland (excluding Hong Kong, Macao and Taiwan);
(4) Customers who hold CCB's personal financial assets (including deposits and wealth management products) or have outstanding CCB personal housing loans.
CCB can apply for a loan amount of 1 1,000 to 50,000 yuan for fast loan, and the maximum for financial and private customers is 500,000 yuan. If CCB's fast loan shows that you have not obtained the fast loan quota for the time being, the borrower need not worry, because CCB's fast loan is mainly determined according to the borrower's personal credit information, working age, income, work nature and personal property.
It is suggested that the borrower should consider whether he does not meet the requirements for applying for CCB Express Loan if he finds that there is no quota for applying for CCB Express Loan.
The application for quick loan from China Construction Bank failed.
China Construction Bank successfully applied for quick loan, but it was unable to use it. Users need to check whether there is a quota first. If there is no quota, it will definitely be inexhaustible. However, there are restrictions that cannot be used, which may be caused by the abnormal status of the debit card bound by the user. Excluding the above two problems, the user's fast loan cannot be used, so you can consult the online customer service of fast loan.
Fast loan will not generate interest before the application, only if the application is passed, but it is not used, so fast loan will not generate any fees.
I applied for an express loan from China Construction Bank, but it didn't work. Will there be relevant records in the credit information system of China People's Bank?
After a customer applies for a quick loan, there will be a loan approval record in the "Query Record" column of the credit report. If the customer has not used the fast loan, there will be no credit record of the loan in the Credit Record field. If customers use fast loans (including withdrawing cash, transferring fast loan funds to their personal savings accounts, spending, etc.). ), the loan record will be displayed in the Credit Record field. Therefore, if a customer applies for a quick loan from CCB, please return it on time to avoid leaving bad information such as overdue records on PBOC credit information system.
(In case of business changes, please refer to the actual situation. )