Whether there are other loans or credit cards, whether credit cards and loans are expected, etc. are all factors that affect whether you are at risk. Spread out completely
2. Why is your loan application always rejected?
Sometimes loans are not the time when we hope to bring us a lot. But the loan is not that simple. Many people's loan applications have been rejected by banks. What is the reason?
We know that there is a certain threshold for loans, and not everyone can borrow if they want to, especially bank loans. For the borrower, in order to control the risk, beware of the borrower's inability to repay.
Banks mainly review from the following aspects.
1, do you have a job?
A stable job can give borrowers a lot of points. Because this not only shows that the borrower has a certain repayment ability, but also is certainly unwilling to give money to people with fixed income. In case, generally speaking, social security payment for more than half a year can be considered as job stability. In addition, employees are also more favored by banks.
2. Credit status
Personal credit information is becoming more and more important. If there is a credit stain, the bank will think that this person has a weak sense of repayment and the possibility of refusing to lend is very high. And bad credit records have repayment records. Before, friends who repaid loans in loans overdue liked to check their credit records out of curiosity or worry. I wonder if they will record every inspection? There are too many inquiries about credit records, and the bank thinks you are short of money. How can I pass the application?
3, the debt is too high
The most important thing for a bank loan is whether to repay the loan. If it exceeds 50%, the bank will think it is risky and obviously refuse it.
4. Improper use of loans
Banks have clear regulations on the use of loans, and loans can only be used for production and operation. If you want to do something, you must handle the corresponding loan business. Most importantly, the loan money should not be used for finance. If you want to use the bank to obtain funds, I'm sorry, just refuse.
3. Why didn't your loan application pass? You may be a high-risk customer.
Mortgage car loans have become very common in today's society, and banks also like everyone to apply for loans, so that banks can make profits through loan interest. However, many loan applicants who seem to have good credit have been refused loans by many banks. What's going on here?
In fact, good credit does not mean strong repayment ability, and customers with weak repayment ability will be listed as high-risk customers by banks, which is also the main reason why some lenders think that their applications are completely fine but they can't get loans. So who will be listed as a high-risk customer?
First, the personal debt ratio is high.
Although some people's credit is very good, and historical bills also include timely repayment, if people with high personal debt ratio apply for loans again, it means that the applicant has to add some repayment on the basis of high monthly repayment, which will reduce the applicant's repayment ability and the probability of timely repayment, so such people will be listed as high-risk customers by banks.
Second, customers who often apply for loans.
This kind of customer is characterized by frequently applying for loans from banks, and sometimes even continuing to apply before the last loan has been fully paid off. In the eyes of banks, such customers have insufficient cash flow and basically no deposits, so once such customers are unemployed or their families have any changes, it is difficult to repay them in time or even completely unable to repay them. Such customers will also be listed as high-risk customers by banks.
Third, middle-aged and elderly people over 50 years old.
These people are basically about to retire or have already retired, and their physical condition is poor, so they are more prone to health problems. Once such people suddenly have any diseases, their repayment ability cannot be guaranteed, and it is basically impossible for middle-aged and elderly people over 50 to apply for loans from banks.
Fourth, people without loan records.
Some customers have never applied for loans, although they have no record of defaulting on loans, which means that banks can't judge the credit status of such customers, so they dare not lend easily. Therefore, people who have no loan records, that is, white credit households, will also be listed as high-risk customers by banks.
These are some reasons why some people can't apply for loans from banks. Did you get caught?
Fourth, online loans are not overdue. Why did you apply to reject me again?
Users frequently apply for online loans. Although there is no credit, these records will lend big data online. When the platform lends money, it will find that borrowers frequently apply for online loans, which will make the loan platform think that they are extremely short of money and that they are high-risk customers and will directly refuse.
Many online loans don't look at credit information, but when lending money, the platform will still investigate the borrower. If it is found that there is malicious overdue, it will directly refuse the loan. If the applicant has poor repayment ability, such as no job and no stable source of income, the platform will directly refuse to lend in order to avoid risks. In addition, the information filled in at the time of application is untrue or incomplete, which will also affect the audit results.
Extended data:
Precautions:
1. The most important thing about online lending is caution. Before borrowing money, you must thoroughly understand the details, popularity and user evaluation of the lending institution, which can help you have a certain understanding of whether the online lending institution is reliable.
2. Many users are eager to use money, but ignore the interest problem. When it was discovered, the interest rate was already high, which eventually led to overdue and so on. Therefore, when making a loan, you must know the interest and determine the repayment date. The interest rate of online loans will not exceed 36%. Of course, if it exceeds, it will be a property.
3. Because many online loans are licensed, it is easy to get credit information or telephone harassment or collection in case of overdue or non-repayment, which causes great trouble to life. So in order to avoid such a thing, it is best not to overdue.