Did you pass Huanbeihao? Why is the comprehensive score insufficient?

Different loan portals will provide users with different types of loans. For example, some platforms provide users with renovation loans; The platform specializes in providing users with continuing education loans and more.

Huanbei is a loan channel that specifically provides users with credit card repayments. When users are unable to repay their credit cards, they can apply for a loan through Huanbei to repay their credit cards, and later return them to the Huanbei platform in installments.

When some users want to apply for a loan at Huabei, they are also very worried about whether their loan application can be approved. After all, not all users can apply successfully for Huabei, so is it easy to get approval for Huabei?

Generally speaking, it is easier to pass Huabei's loan review only if the user's credit situation is good, and he has sufficient repayment ability and does not have excessive debt.

However, if the user has a bad overdue record, currently has a lot of debt, and the income is not stable enough, it will be difficult to apply for a loan that can be repaid. Therefore, whether it is easy to pass the repayment depends mainly on the user himself. Whether the loan qualification meets the loan requirements of Huanbei.

If the user's score is insufficient when applying for repayment, it may be caused by the following main reasons:

1. There is an overdue repayment record:

If there is an overdue repayment record in the user's credit report, it will definitely affect Huanbei's score. Huanbei will worry about the user's awareness of contract performance in the future and will be cautious in issuing loans to users.

2. Too much personal debt:

When a user applies for repayment of a Bei loan, he or she has many other loans, and the overall debt ratio is high. At this time, when repaying the Bei loan, the user will be worried about the future repayment ability, thus affecting the current score.

3. The applicant does not have stable income:

If the borrower’s income is not stable enough, then he cannot guarantee that he will be able to repay the loan stably in the future, which will naturally affect him. The comprehensive score makes it impossible for you to apply for a loan after repaying it.

4. Failure to meet the loan requirements for repayment:

The user may not be within the age range required for repayment, or the user does not have a credit card that meets the repayment requirements. In these cases All will directly affect the comprehensive evaluation results of Huanbei.