If you apply for a personal car loan through China Merchants Bank, whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and is determined by the handling outlets after approval.

If the application materials submitted by you are complete, the approval will take about 15 working days, and the situation of each customer will be different, because it involves evaluation, mortgage registration and other links. For details, please contact the handling network or loan account manager for confirmation. 2. Why was your car loan application rejected?

My friend cried recently.

"Very not easy to save enough down payment.

Want to buy a car by installment

Only to find that the application is always impossible. "

The little baby comforted her friend.

Summarized it.

The initial application for a car loan was rejected.

There are doubts in this regard.

Mobile bench

Listen carefully.

_

There is something wrong with personal credit information

Everyone must understand the loan approval and credit review. Under normal circumstances, your personal credit information has the following problems, which will lead to the failure of your car loan application:

1. Credit investigation for three times and six times: personal credit investigation is overdue for three months and six times within two years.

2. There are too many "hard inquiries" in the personal credit report, which means that you may be short of funds (hard inquiries: inquiry records generated by financial institutions in reviewing their loan applications).

I made a guarantee for others, and others failed to pay it back within the time limit.

Income instability/high debt ratio

After verification, if the applicant's financial resources are unstable, or the debt exceeds 50% of the monthly income, it will be more difficult to successfully apply for a loan. In this case, the lending institution thinks that your repayment ability is not strong. In order to control credit risk and ensure the smooth recovery of loans, we will definitely not lend easily.

Not cooperating with the audit

Unless you are qualified, apply for a car loan in batches. Under normal circumstances, financial institutions will call you after receiving your loan application. If you don't cooperate with the electric audit, the car loan will definitely not work. Therefore, after submitting the application, you should pay attention to:

1, pay attention to keep the telephone lines of the applicant, * * borrower and other relevant personnel open.

2. When applying for a car loan, you will be asked to fill in an emergency contact person, and pay attention to telling the other party to pay attention to answering the phone, so as not to affect the car loan application.

Other special elements

There are some special reasons for refusing loans:

1. Has a civil/criminal record.

2. Belong to people who have lost trust.

It was once enforced.

4. Public security verification failed.

5. Restricted/high-risk industries

The risk control of different financial institutions is different.

There are also differences in auditing standards.

But the above situation is basically the same.

So remind everyone to pay attention to maintaining personal credit information.

Reasonable planning of personal assets

Be a good law-abiding citizen.

Auto loan application, simple

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.

Third, why didn't you get a second loan when you bought a car?

If you apply for a personal car loan through China Merchants Bank, whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and is determined by the handling outlets after approval. If the application materials submitted by you are complete, the approval will take about 15 working days, and the situation of each customer will be different, because it involves evaluation, mortgage registration and other links. For details, please contact the handling network or loan account manager for confirmation.

4. What is the reason why the installment payment for buying a car has not been approved?

Do not meet the credit conditions