If there is no overdue loan, it is likely to be caused by the following reasons:
1. Age is not up to standard. Although customers 18 years old can apply for loans, the regulations will be different for different loan businesses. For example, some may have higher age requirements, and they must be 20 years old, or 22 years old or 23 years old to apply.
2. The city where you work and live is not within the application scope of loan account opening. Many loans are invited and applications are gradually open, so only people in some cities can handle them.
3. Not a designated loan group. Like many loan products, college students are not allowed to apply.
4. The income level can't meet the requirements of the handling bank (lending institution, platform), and even there is no stable job and no sustainable source of economic income.
5. There are many loans and credit cards in the customer's name, and even many credit products have been applied frequently recently, resulting in high personal debt and long-term borrowing; When applying for a loan, they failed to provide sufficient proof of income and financial resources, and banks (lending institutions and platforms) suspected that their economic life was unstable and their repayment ability was insufficient.
Extended data:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest.
Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Online loans are not overdue but are always rejected. What is the reason?
If a customer's loan application is always rejected, it is probably due to the following reasons:
1, customer's credit is not good.
Because whether banks, lending institutions or platforms, in the process of loan approval, they will review the customer's credit report or big data to understand the latest credit situation of customers. Therefore, once the handling banks (lending institutions and platforms) find that there are bad records in customer credit reports or big data recently, most of them will refuse to lend money because they are worried about the risks in loans overdue.
2. There is also long-term borrowing.
If customers frequently apply for loans, it will easily lead to personal credit reports or big data becoming "flowers", too many loan records and even long-term lending. If there are still many credit products under the name that have not been repaid, it will also appear that the personal debt ratio is too high. In this way, banks (lending institutions and platforms) are likely to worry about the unstable economic life and insufficient repayment ability of customers when approving loans, and it is easy to reject customers' loan applications.
If you are not clear about your debt and online loan data, you can quickly query from Xiaotian and get a big online loan data report, which contains online loan application records, overdue details, blacklists and other data.
Extended data:
What should I do if the online loan application is rejected too frequently?
If too many applications for online loans are rejected, it is best not to apply for loans in a short time, but to keep personal credit first and maintain a good credit record. If the capital turnover is really insufficient, you can choose to find friends and relatives to turn around or swipe your credit card.
And the online loan being used should also pay attention to the repayment time. It is best to set the repayment time in advance, and there can be no overdue situation, otherwise it will have a negative impact on personal credit.
The application was too frequent, and no overdue online loan was rejected.
If the online loan is rejected, you can find out the specific reasons and solve the problem.
1. There are overdue charges in the credit record. You can APPly for a credit report on our pocket bank app. If it is found overdue, it shall pay the overdue fine of Yan Sun in time.
2, the personal debt ratio is too high, leading to the second refusal. In this case, you can only pay off the loan first, and then apply for the online mountain model loan, which is ok.
3. Too many overdue credit records. The online loan approval process still pays more attention to the rough chain of personal past credit records. In this case, you can only try to apply after the credit record is updated and eliminated.
4. Lending institutions inquire about credit records too many times. Frequent application for online loans leads to too many inquiries about credit records, and online lending institutions will consider whether you have the ability to repay. In this case, it is recommended not to apply for a loan within three months, and then try to apply for an online loan after three months.
5. No real estate, car loan, credit card, social security, provident fund, etc. If the online lending institution does not have enough information to determine that you have the repayment ability, it will refuse.
6. Every credit card in the credit record shows overdraft, and it will be considered as a high-risk group. In order to control the risk, it will not lend.
There is no overdue, why are many online loans not passed?
There is no overdue, why many online loans have not passed, and online lending platforms have their own credit information system and risk control system. After comprehensive evaluation, the results can't meet their requirements. Loans not only review personal credit information and personal overdue records, but also review the borrower's willingness and ability to repay. It will be approved according to the qualifications of the borrower, and your work unit and age will affect the approval of online loans.
1, poor income: income, as the most important loan application information, is the key to ensure repayment ability, so online loans will judge whether to grant a line according to the borrower's income. Online loans generally don't check the bank's flow, and they don't have that right, so the income is just for reference and combined with other information for comprehensive judgment.
2. Poor credit information: Some users always think that credit is irrelevant, and occasionally one or two overdue payments have little effect. In fact, late payment can reflect two problems. One is that the financial situation is not good, and the capital turnover will be overdue. The other is poor integrity, no sense of repayment on time, and habitual overdue. No matter what the problem is, it will lead to the failure of online lending.
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 a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
3. Debt: Even if it is not overdue, if the current debt ratio is too high, it will lead to the failure of online lending, because a person's income is limited, and if he is still burdened with debt, there is not much money to repay, so institutions are generally reluctant to give borrowers with high debt ratios an excessive amount.