Who are easy to be refused loans by banks when applying for loans?

1, people engaged in high-risk jobs

Generally speaking, people engaged in high-risk jobs can easily get workers, firefighters, flight attendants and so on. Even so, people who are engaged in high-risk jobs are easily refused loans by banks when applying for mortgages. After all, once such people have a safety accident, it means that they can't repay their loans.

2. People in debt

Although some property buyers have a stable high income and there is not much risk in their jobs, banks often refuse to lend directly to such people behind them.

3. People with outstanding mortgage loans

Generally speaking, secured loans are joint and several liability. If you make a secured loan for others, but the other party fails to repay it, then you need to repay it for him, and the bank will seriously refuse the loan.

4. People who forge loan application materials.

In order to obtain high loans, some property buyers are lucky. Once they are discovered by banks, they will not only bear legal responsibilities, but also find it difficult to apply for loans in the future! So, yes, don't falsify the loan application information.

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Usually, banks have restrictions on the age of borrowers. If a borrower aged 50-65 applies for a loan, it may be rejected because it is prone to physical problems at this age.

6. People with credit problems

If the borrower's recent credit report is overdue, such as more than three times in half a year, more than six times in a year, or fails to repay for three consecutive months in the last two years, the loan may be refused.

Second, the loan failed.

Bank loans are not approved, which is generally caused by the following reasons: 1, personal credit is not good. Personal credit information is the primary standard of bank loans. In particular, bank credit loans have higher requirements for borrowers' credit information, and borrowers' credit information is slightly flawed, which easily leads to the failure of bank loan approval. In addition to borrowers, bank mortgage loans also have certain requirements for collateral. 2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability. The bank loan application is not approved, largely because the borrower's personal income level can't meet the repayment amount, or the borrower has not paid off several loans, and the credit situation can't meet the repayment requirements, so the probability of applying for approval is very small. 3. The personal debt ratio is too high. Generally speaking, the reason for the failure of handling bank loans is that there is no stable job and the borrower's personal debt ratio is too high. How to judge personal debt ratio? Under normal circumstances, the bank's assessment standard for the debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, banks will refuse to lend. If no matter which lending platform you go to, you can't pass the loan review, it is probably because there is a problem with the customer's credit and bad behavior is recorded in big data. It is necessary to know that most of the information between online loans is interoperable, and customers apply for loans. The platform generally evaluates the credit status and overdue risk of customers based on big data. If the customer's credit is found to be bad, it will naturally refuse to approve the loan. Of course, it is also possible that the loan conditions proposed by these lending platforms have not been met, such as 18 years old, or students at school, or compatriots from Hong Kong, Macao and Taiwan. After all, to apply for a loan, the applicant must be a natural talent pool with full civil capacity at the age of 18, and most online loans are not open to students at school, mainly for mainland residents. If you find that you can't apply for a loan anyway, it is recommended to find out the reason first and then solve the problem according to the reason. And if you can't borrow money from this lending platform, you can try to change channels and try to get a bank loan. At present, users are more likely to apply for loans such as Loan Bao, 360 IOU, Money Flower, Comfortable Flower, Banyan Tree Loan, Micro-loan, JD.COM Gold Bar, Gome E Card, installment music, pat loan, repayment, 58 easy-to-borrow foreign currency pot, enough flower and good loan. However, whether the loan platform finally meets the user's loan demand depends on the user's current personal qualifications. The higher the personal qualification (the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to apply for loans from users, and vice versa. If there is demand, I recommend you to spend money. It is a credit service brand under Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June 2065438+08), with reliable brand and low interest rate. According to Article 39 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks shall abide by the following provisions on asset-liability ratio management: (1) Capital adequacy ratio. (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%. (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%. (4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio. If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.

3. Why didn't my loan succeed?

Failure is the condition that a person's qualification can't meet the loan requirements. Always failing is the result of too many applications recently, and repeated applications are not conducive to credit card approval, because banks will leave records in the system when inquiring about applicants' personal credit records. Repeated applications will lead to multiple banks inquiring about personal credit records at the same time, and banks will feel that they need money urgently and have certain repayment risks, so they will refuse.