1. The applicant has a bad credit record.
At present, lending institutions are basically connected to the credit information system of the People's Bank of China, and users' personal credit reports need to be referred to when reviewing applications. If there are bad credit records in the applicant's credit report, then the loan platform will be skeptical about the user's repayment ability. In order to avoid the risk that the customer may not be able to repay the loan, the loan platform has a high probability of rejecting the user's loan application.
2. The applicant's debt ratio is too high.
When users apply for new loans, if there are still outstanding foreign debts, their current foreign debt ratio will be relatively high. In this case, the loan platform will worry that the user's current external repayment burden is too heavy. In order to reduce the risk of lending, the institution will not pass the user's loan application for the time being. It is best for the applicant to consider applying for a new loan after paying off some external liabilities properly.
3. It does not meet the platform application conditions.
The loan platform has specific requirements for the borrower's application qualification. For example, the applicant does not meet the minimum or maximum age requirements of the platform, and the user's income is not up to standard, so it is impossible to apply for the quota. Therefore, before applying for a loan, the applicant should carefully browse the platform's requirements for application qualification to improve the success rate of the loan.
4. The loan information filled in by the applicant is incomplete.
When submitting an application, the user should fill in all required information in the platform application interface. Users should pay attention to whether the submitted information is complete and clear, carefully check whether there are any omissions, and must not resort to deceit. If there is any omission, it should be added in time.
5. The platform loan amount is insufficient.
Some lending platforms will limit the daily lending amount and quota. If the number of applicants or the application quota has reached the upper limit of the platform on that day, the platform will temporarily close the application channel. It is necessary to pay attention to the daily refresh time of the platform and the change of the number of applicants, and be prepared to submit applications in time.
6. Corresponding customers of non-platform loans
Some loan platforms will launch corresponding loan products for specific user groups. If the user does not belong to a specific user group, it is easy to encounter the failure of approval. For example, some lending institutions will launch small consumer loans specifically for young people. If the user applies for a loan to start a business, it is easy to fail.
What are the reasons for loans overdue?
Nowadays, borrowing money to spend in advance is nothing new. With the help of borrowing money, many people have embarked on the road of happy life. However, at the time of repayment, due to the delay, it is inevitable to forget the repayment, leading to overdue repayment. So, under what circumstances is it easy for loans overdue? Lend me a loan and I'll tell you what to do in loans overdue.
1. The borrower owes money maliciously.
After getting the loan, some borrowers deliberately fail to repay the loan on time and in full according to the contract with a lucky attitude, and maliciously owe money with a mentality of what can you do with me if I don't pay back the money. Of course, this situation is very rare, and it is not the main factor in loans overdue.
2. The borrower's repayment ability is not strong.
Generally, when applying for a loan, the lending institution will evaluate the borrower's repayment ability. However, some lending institutions will give borrowers a back door, and will not strictly investigate the borrower's income source and financial situation, so they will grant loans. But when it comes to repayment, the borrower can't repay because of his limited repayment ability, which leads to loans overdue.
3. The borrower's income changes.
When borrowers apply for loans, they have high income and strong repayment ability. However, after a period of repayment, the borrower's work income has changed a little, resulting in a decline in repayment ability. This kind of emergency is also easy to cause loans overdue.
4. The borrower has more debts.
Because some borrowers have borrowed a lot of money from lending institutions and have already taken on a lot of debts. Usually banks will consider the risk of loans, and such people will be rejected when they apply for loans. However, some account managers left the borrower behind during the inspection, and eventually the borrower was unable to repay the loan, which led to loans overdue.
5. The guarantor's qualification is poor.
When applying for a loan, the borrower is not qualified to apply for a loan because of his poor personal qualifications. Under normal circumstances, lending institutions will require borrowers to find guarantors as guarantees to apply for loans. However, because some guarantors did not meet the relevant regulations and the lending institutions did not strictly examine them, when the borrower was unable to repay the loan, the guarantors were helpless, which led to loans overdue.
Fully explain 12 kinds of bad credit records. What is the reason why the loan was rejected?
Banks and some lending institutions pay attention to the records within 24 months when reviewing personal credit status, and generally judge whether an individual has a bad credit record by overdue repayment for 6 times. Some banks have stopped lending if they are overdue for more than six times in the last 24 months.
Some banks stipulate that loans will not be granted if the principal or interest of the loan is repaid in three consecutive installments or accumulated six or more installments. However, some banks will affect their loans if they are overdue for more than three times.
What are the bad records of 12?
1. The credit card has been overdue for three consecutive times, totaling six times;
2. The monthly payment is overdue for 2 to 3 months or unpaid;
3. The monthly payment of car loan is overdue for 2 to 3 months or not;
4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest;
5. Water, electricity and gas charges are not paid on time;
6. Personal credit card has TX behavior;
7. Failing to repay the student loan;
8. Credit card overdrafts and mortgage loans are not repaid on time;
9. When providing a guarantee for a third party, the third party fails to repay the loan on time; Although you didn't borrow money, you made a guarantee;
10, personal credit report will also record some economic judgments. Therefore, economies such as debt will also affect credit records;
1 1. The mobile phone charge is linked to the bank card charge. If you don't go through the relevant formalities after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, which will also cause bad records;
12. If the Sleep Credit Card is not activated, an annual fee will still be incurred. If you don't pay, you will have a negative credit record; For example, after changing the curve card, the amount is not high. If you don't want to use it, you'd better call to cancel it.
There are seven situations in credit investigation, namely the so-called loan blacklist.
The first type: personal credit information cannot be overdue for more than 6 times in the last two years.
The second type: there is overdue information on the credit information for more than 90 consecutive days.
The third type: the credit information is currently overdue. In this case, often all major platforms refuse!
Fourth, there are some special transaction information in the credit information, which generally includes "bad debts" and "freezing". "Bad debts" means that you may have long-term bad debts that have not been dealt with, and freezing means that your current account may be sealed up.
Fifth, there is information about the person being executed. If the information of the person subjected to execution occurred in the last two years, it means that the borrower has just filed a lawsuit and has broken his promise.
Sixth: the credit report shows that the debt is too high. Mainly judged by the loan balance and credit card overdraft. If the loan balance and credit card overdraft add up to a lot, and the income gap with the borrower is relatively large, it will be judged by the lending institution as excessive comprehensive debt.
Seventh: there are more than 6 inquiry records in half a year, which also shows that the borrower is short of money and belongs to the high-risk list. So don't check the credit information if something happens.
There are four other situations that can immediately eliminate overdue records.
1, the bank's fault
The bank is negligent. For example: (including but not limited to) the annual fee adjustment of credit card has not been notified, the fee cannot be deducted at the weekend of system upgrade, and there is a overlord clause in the fee, resulting in overdue customers?
The above situation is the fault of the bank, not entirely personal responsibility.
2. The third party failed to repay.
Sometimes repayment through a third-party institution does not arrive in real time, and there will be some delays, such as the failure of inter-bank counters, the failure of online banking transfer repayment, and the failure of binding inter-bank automatic deduction.
Cross-bank credit card debit will be transferred through third-party payment, and some third-party institutions have restrictions on the amount of transfer, so this really doesn't blame customers.
The bill hasn't been received yet.
Credit card repayment is generally based on the bill, if the cardholder does not receive the bank bill in time, including paper bills, electronic bills and so on.
4. Overdue due to false information.
Not all overdue cases are caused by themselves. Sometimes, due to lax review by lending institutions, personal information is fraudulently used or the information is wrong.
Due to the time limit, the credit card has expired.
So be sure to protect your credit, you can't do anything without credit!
The introduction of bad reasons for personal loans ends here.