Lefenyi is a loan product owned by the bank, and the requirements for users are naturally higher. If any conditions do not meet the requirements, the loan application will be rejected. For example:
1, non-quality customer
The Agricultural Bank of China is mainly issued to the high-quality customers of the Agricultural Bank of China, and only the high-quality customers of the Agricultural Bank of China have the opportunity to successfully apply for loans. On the other hand, if the user does not belong to the high-quality customers of China Agricultural Bank, it is naturally impossible to pass the loan review.
2. Bad credit report
Agricultural Bank of China Le Fenyi is a personal credit loan product, which requires high credit for users. If the user recently has bad behaviors such as overdue or cashing out, and left a bad stain on personal credit information, then the possibility of applying for a loan is also great.
3. The personal debt ratio is high.
Le Fenyi has a high demand for users' repayment ability. In order to ensure the safety of funds, users must have the ability to repay the principal and interest on time. If the bank finds that the applicant has high debts when reviewing the user's situation, it will definitely refuse to approve the loan.
4. The submitted materials are incomplete.
Banks generally get to know users through the loan application materials submitted by users. If the submitted materials are insufficient, it will not provide enough reference materials for banks, so in order to ensure the safety of funds, banks will definitely refuse to lend.