According to your description, it is impossible to determine the reason why your loan application was rejected. You are advised to call the customer service hotline of China Bank at 95566 for enquiry.

The above contents are for your reference. Please refer to the actual business regulations.

Why does my online loan always fail?

There are several reasons why online loans fail:

1, the conditions do not match: although the conditions for applying for online loans are simple and the threshold is low, it is not entirely the threshold requirement of 0 and 0. They will ask the applicant's age, sesame score, income and credit status. If the borrower does not meet the application conditions, the application will naturally be rejected.

2. Incomplete information: To apply for online loan, you need to register your personal account and fill in your personal information. When you enter your own information, the more complete and true the information is, the higher the application pass rate and loan amount will be. On the other hand, if some key information is omitted or the facts are deliberately exaggerated, once it is detected by the system, the applicant will be considered to be suspected of fraudulent loans, thus rejecting the application.

3. Poor credit: Many online loans are unsecured and unsecured credit loan products, and good personal credit information is the prerequisite for applying for loans. Applicants who spend too much online loan data or have a bad personal credit record, and are overdue for too many days or times are easily excluded.

4. Too much debt: The asset-liability ratio is also an important factor for the success of the loan application. Lenders will be tolerant of the overall (or online loan) debt ratio of the applicant when approving loans. If it exceeds the tolerance, the lender will reasonably question the repayment ability and willingness of the applicant. In order to avoid risks and prevent the loan funds from being recovered, the applied online loan may fail.

Why are loans always refused?

If a customer's loan application is always rejected, it is probably due to the following reasons:

1, customer's credit is not good.

Because whether banks, lending institutions or platforms, in the process of loan approval, they will review the customer's credit report or big data to understand the latest credit situation of customers.

Therefore, once the handling banks (lending institutions and platforms) find that there are bad records in customer credit reports or big data recently, most of them will refuse to lend money because they are worried about the risks in loans overdue.

2. There is also long-term borrowing.

If customers frequently apply for loans, it will easily lead to personal credit reports or big data becoming "flowers", too many loan records and even long-term lending.

If there are still many credit products under the name that have not been repaid, it will also appear that the personal debt ratio is too high.

In this way, banks (lending institutions and platforms) are likely to worry about the unstable economic life and insufficient repayment ability of customers when approving loans, and it is easy to reject customers' loan applications.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Why are applications for loans always rejected? These reasons cannot be ignored!

Although there are many loan products on the market now, and there are many borrowing channels for borrowers, it is inevitable that the application will be rejected. The most irritating thing is that they applied for a product at the same time as others, and others were rejected, obviously their personal qualifications were similar. Why? I have sorted out several common reasons for the rejection of loan applications, hoping to help you.

1. The application materials are incomplete and incorrect.

Generally, going to the bank to apply for a loan will not have such a problem. The bank will strictly review and check the application materials, and if there are any mistakes, it can be changed on the spot. However, mobile phone loans do not have such a function. In addition to receiving the verification code to check the mobile phone and bank card, other basic information is filled in by yourself. As long as there are mistakes and omissions, these will easily lead to loan failure.

2. Credit white families

In fact, it doesn't matter much that the credit is white. White households mean that their credit is spotless, but they have never done financial business such as credit cards and loans, so there is not much information for lenders to refer to. Some prudent lenders may turn you down to avoid risks.

3. Suitable lending institutions and products

Before you apply for a loan, you must know in detail the success rate of the approval of this product and institution and the speed of the next payment. User evaluation is often the most authentic and reliable. Different lending institutions have different approval processes, and different loan products have different interest and application thresholds. Without the guidance of a special credit manager, you can only spend more time doing your homework in advance, which can effectively save time, because some lending institutions need 1 month to 3 months after failing to apply for loans.

To sum up, it is not terrible to be refused a loan, just accumulate experience for yourself. The most important thing is to pay more attention to financial knowledge and know more about the company background and product information before applying for a loan, which will help improve the success rate.

What is the reason why the loan was rejected?

The first reason: poor credit record.

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.

This is the end of the introduction about why loans are always rejected and why my loans are always rejected. I wonder if you have found the information you need?