The loan survey is divided into two situations: individual and enterprise. Some can communicate by telephone, but most of them need face-to-face visits or even field visits. So, what will make your pre-loan investigation fail?
Case review:
Boss Jiang of Nantong, Jiangsu, started his business in steel. Boss Jiang is going to apply for a loan from a commercial bank because the company's capital turnover is not working properly.
Before applying for a loan, Mr. Jiang prepared various materials of the company, including operating conditions, business data, financial statements and so on.
On the surface, Mr. Jiang's loan application materials fully meet the requirements, and it is natural for banks to lend money, but there are problems in the first file of financial statements and the pre-loan investigation.
Lenders found that there were obvious off-season and peak season in Boss Jiang's business projects. The off-season is generally from 165438+ 10 to February of the following year, and the sales volume is bleak, but it will improve greatly in March and April.
However, in the investigation, the credit officers found that in the financial statements reported by Boss Jiang, the off-season sales far exceeded the peak season, which was contrary to common sense, and Boss Jiang's loan application was withdrawn.
Later, according to boss Jiang's self-report, in order to apply for a loan successfully, he did make some financial moves.
Summary:
Take Boss Jiang's case as an example. Boss Jiang has committed two taboos, one is that his financial performance is not up to standard, and the other is more serious, that is, the information is falsified. We will discuss individuals and enterprises separately.
Reasons why individuals can't pass the pre-loan inspection:
1. Have bad hobbies (such as gambling, etc. ) or a serious illness in an individual or family member of the loan applicant;
2. There is something wrong with the use of the loan: it is not used for normal consumption, improving business, etc. Instead, it is used for gambling, stock trading, real estate speculation, etc. And will be refused a loan.
3. Do not have repayment ability: personal salary is not high, and the proportion of household debt is too heavy, which may lead to problems in your repayment. For the sake of risk control, banks will refuse to approve loans.
4. Personal credit is not up to standard: as far as bank loans are concerned, what they value most is your credit report. If you are a white-credit household or your credit is tainted, the chances of passing the pre-loan inspection are not high.
Reasons why the enterprise can't pass the pre-loan inspection:
1. Poor business conditions: For the sake of repayment ability, if the business conditions of the enterprise are worrying, it will be unable to pay employees' salaries or even go bankrupt, and the bank will not help you if it loses money all the year round and cannot make ends meet.
2. The establishment time of an enterprise is too short: Generally speaking, an enterprise operating loan will require an enterprise legal person to provide six months of operating flow, and some enterprises will also require the establishment time to be no less than 65,438+0 years, so it is easy for a start-up enterprise to apply for an operating loan.
3. Poor corporate credit: Not only individuals have credit records, but companies also have their own credit. If your business is tax evasion or even going to a gray area, it will definitely not be welcomed by banks.
4. Enterprise industry restrictions: It will be difficult for polluting industries and industries with limited production capacity by the state to obtain loans. For example, the paper mill is seriously polluted, and the real estate and steel industries are in the stage of de-capacity, so it is difficult to get loans from banks.