1, the borrower's personal credit suddenly changes, and the credit rating drops sharply, which can no longer meet the loan requirements. Therefore, the bank decided to cancel the loan.
2. The national or bank's own credit policy changes, and the borrower does not meet the new loan policy. In this case, the loan will also fail.
3. When lending money, the bank found that the borrower's bank card information was abnormal, such as using the second-generation ID card to handle the loan, while the bank card was handled with the first-generation ID card.
4. During the telephone call back from the bank, everyone failed the relevant audit.
Generally speaking, the reasons for the failure of loan lending are the above four. In order to make friends who have failed in loan better solve their problems, Xi Cai Jun is here to introduce the solutions.
1. Go to the bank outlet that applied for the loan, and ask the staff to help find out the reasons why the loan failed. Or contact the account manager who provides loan services for himself and ask the other party to help him find out the reasons for the failure of loan lending.
2. After understanding the reasons for the loan failure, see if there is any possibility of remedy. Personal information that can be re-provided if there is any error in personal information; If personal credit declines or the national loan policy changes, the loan can only be given up for a short time; If it is because the bank loan policy has changed, you can apply for a loan from another bank.