1. What are the reasons for not meeting the loan conditions? The main reasons for not meeting the loan conditions are: 1, poor personal credit information, unpaid guarantee, overdue credit card repayment, unpaid personal bank loan, etc. 2. Personal loan information does not meet the requirements of the bank, and the income certificate does not meet the requirements of monthly payment; 3. Individuals intentionally or unintentionally delay signing contracts in the bank and handling relevant mortgage procedures; 4. Individuals who provide false mortgage information can borrow from the bank, with the following conditions: 65438+. 2. Having urban permanent residence or valid residence status requires the borrower to have legal status; 3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. Basic materials for general bank loans: 1, husband and wife ID card 2, household registration book 3, marriage certificate 4, certificate of ownership of production and operation 5, house photo 6, other materials required by the lender, such as salary flow, etc. Loan skills: 1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear about the reasons for the loan, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record. 2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased. 3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how. 4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears. To sum up, because of the economic development, most people's consumption concept has become advanced, so many people will choose loans to give priority to consumption and then repay them slowly. But after all, the loan is paid only after the corresponding company bears certain repayment risks, so the main reason for not meeting the conditions is insufficient trust.