At present, when many people apply for loans, the most important thing is the issue of credit reporting. Waiting for the bank to review the qualification is a patient process. So, is it already on the waiting list? Let's take a look at the detailed introduction I brought!
While waiting for the loan, has the loan been issued?
The loan waiting display system is matching loan funds for users and has not yet entered the loan stage. When the loan progress shows that it is in normal lending, then it will enter the lending stage. It should be noted that some external factors may lead to loan failure, such as the maintenance of bank clearing system and abnormal bank card status.
Only when the loan funds arrive can the loan be considered successful. Before the money arrives, it is full of variables and cannot be regarded as a successful loan.
Why was it rejected at the lending stage?
1. Insufficient loan amount: after the user passes the loan review, the bank will match the loan funds for the user. When the bank loan amount is insufficient, then the loan will fail. At this point, the reason for the loan failure has nothing to do with the user, and the user can try to apply for a loan again. If you apply for a loan again, whether you can pass the examination depends on the display on the page.
2. Abnormal bank card status: If the user passes the loan review, the bank will directly lend the money to the bank card bound by the user. When the bank card status is abnormal, the page will directly display the loan failure. Loan failure is equivalent to the failure of users to borrow money, so the abnormal state of bank cards will also lead to loan rejection.
3. Frozen loan funds: If the loan funds are frozen during the lending stage, the bank will not continue to lend. There are many reasons why loan funds are frozen. When the loan funds are frozen in the lending stage, such loans are usually informal loans. When the other party asks the user to pay a part of the fee to unfreeze the funds, the user must refuse.
4. The loan policy has changed: the loan policy has been changing. When users apply for loans, they only encounter changes in loan policies and may not be able to obtain loan funds in the end.
What should I pay attention to before the mortgage is lifted?
1, don't jump ship. The second generation of credit information will display the borrower's work information. If he has changed his job for less than three months, the bank will think that the stability is not strong and refuse to lend him a loan.
2. Don't vouch for others. Guarantee for others, especially joint guarantee, the debt of the other party will be shown in the credit report of the guarantor, and it will also be regarded as the invisible debt of the guarantor. If the bank checks the credit before lending and sees that the borrower's debt has increased and the income has not improved, it will lend cautiously or even refuse to lend.
3. Don't use provident fund. Banks generally have balance rules for provident fund loan accounts. For example, some require the provident fund account to have a monthly payment of 2 months, and deduct money from the account for repayment in the first month. If the borrower empties the provident fund before lending, there will be no place to deduct money after lending, which will be very troublesome.
4. Don't use credit card to spend/borrow money. Many people hold back their unused credit cards before the mortgage approval, and then see that the mortgage approval has passed, they start to let go of themselves, hold credit cards, and even use credit cards tx.
; Or apply for online loans from multiple platforms, resulting in an increase in personal debt ratio. Banks generally see this situation and will definitely worry about the borrower's repayment ability. In order to avoid the risk of overdue, they will stop lending to borrowers.
Will the mortgage be in a state of waiting for loan?
If there is no other abnormal situation during this period, the loan will generally be released. For example, if you suddenly pay back 500,000 credit cards, or increase other liabilities, you may not lend money if you find it during the audit.
Does Weibo show that the loan should be repaid in installments?
Weibo shows in stages that loans to be released are generally released, and users only need to wait patiently. However, if it shows that the loan has not been received for more than 3 days, then the user can call customer service to ask. Weibo Staging is a consumption staging platform that focuses on serving young people to shop, and is committed to gaining more young people's trust and choices.
Will there be no borrowing in lending?
After the loan certificate is approved, it is waiting for the loan.
Conditions for applying for bank loan business:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank.
If you meet the above conditions, you can apply for a loan business at a local bank.
To apply for a bank loan, you need to prepare materials:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
8. Other information required by the bank.
Credit, that is, credit and lending. Bank credit refers to monetary lending with interest as the intermediary.
In this paper, the bank is used as an intermediary to define the credit form and its development stage. It only refers to lending through banks, excluding commercial credit between enterprises, credit for issuing financial bonds, private credit between individuals, consumer credit between businessmen and consumers, and usury in pre-capitalist society. Nowadays, banks have developed into professional and independent financial intermediaries, specializing in indirect financing of deposit currency operation, which can be combined with securities credit, commercial credit and consumer credit and incorporated into their own circulation.
The condition of repayment of interest means that the loan must be conditional and the premise of repayment of principal and interest must be set. Banks engaged in borrowing, using and collecting debts must abide by the general principle of debt, that is, repay interest, otherwise it will lead to bankruptcy and endanger society. Financial allocation, enterprise's own funds, charitable donations, gifts, relief and other funds do not need to be conditional on debt service.
Money lending means that the object of lending can only be money, and it is impossible to engage in physical lending. Banks only deal in money, and there is no difference between money and goods. They can be exchanged with all commodities and represent all the wealth of society. Only when the bank's lending behavior is widely social can it play a role in guiding the rational flow of social resources and help reduce the costs of both borrowers and lenders.
The loan consultant pointed out that loan is a form of credit activity that 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.
Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).