There are many reasons why the provident fund loan failed to pass the qualification examination and approval. The first one is everyone's provident fund payment. Different regions have different requirements for users' provident fund payment. Some require continuous payment for half a year to apply, while others require more than one year. And it must be in the normal payment state at present, otherwise it will still be rejected. In other areas, the next payment amount is determined according to the balance in the user's provident fund account, so if the balance is too low or even not, it is easy to cause the loan to be rejected. When the provident fund meets the requirements, we also need to pay attention to other qualification issues, such as credit reporting. If the applicant's credit information has obvious problems, such as the current overdue stain, the bank will think that the willingness to repay is relatively low and refuse to lend to everyone for the safety of its own funds.
Since banks are now responsible for their own profits and losses, the risk of lending is strictly controlled. In addition to reviewing the user's willingness to repay, it will also review the repayment ability. Even if everyone has a stable source of income, if the debt ratio under his name is relatively high, the repayment ability will still be greatly affected. Considering the repayment pressure in the future, the bank may reject your application. At the same time, we also need to pay attention to excellent online loan products, because in the eyes of banks, such users who like to use online loans have poor economic conditions, so they will not give you the next payment.
You can compare the above points, find out the reason why you were rejected, and then optimize and improve.