Credit record is the "economic identity card" of modern people. In China in the future, the influence of personal credit records is far more than loans, and employment, job hunting and studying abroad are almost all related to it. If the credit record is poor, it is naturally the fatal wound of the loan.

The second reason: credit blank.

Never applied for a credit card or loan, no bad credit record, normal salary, no debt under his name. Why was my loan application rejected?

Because credit record is an important evidence to judge a person's credit, credit institutions often have to think twice before acting.

The third reason: no salary.

Wage earners are favored by lending institutions because their wages are a powerful and labor-saving basis for examination and approval. But relatively self-employed or freelancers, regardless of actual income, running wages make them very embarrassed.

The fourth reason: high debt ratio.

Personal debt may be second only to credit records, because lending institutions also need to avoid their own bad debt risks, so if the debt is too high, the loan application is likely to be rejected.

The fifth reason: not specific people.

For comprehensive consideration, various lending institutions will plan specific products for specific groups, such as special loans for civil servants, loans for doctors or loans for teachers. If you don't meet the professional requirements, you can't enter the exam naturally.

The sixth reason: risk industry.

It is a "hidden rule" for financial institutions to screen loans for risk control. The main consideration is the uncertainty of repayment brought by industry risks.

The seventh reason: short working hours.

Some loan products are preferential in terms of quota and interest rate, but on the other hand, they not only require wages, but also have certain working years or operating years.

Eighth reason: age.

In order to seek stability, some lending institutions refuse loans on the grounds that applicants are too young or too old, resulting in hidden dangers of repayment.