1, personal credit is not good. Personal credit information is the primary standard of bank loans. In particular, bank credit loans have higher requirements for borrowers' credit information, and borrowers' credit information is slightly flawed, which easily leads to the failure of bank loan approval. In addition to borrowers, bank mortgage loans also have certain requirements for collateral.
2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability. The bank loan application is not approved, largely because the borrower's personal income level can't meet the repayment amount, or the borrower has not paid off several loans, and the credit situation can't meet the repayment requirements, so the probability of applying for approval is very small.
3. The personal debt ratio is too high. Generally speaking, the reasons for the failure of handling bank loans are not only the lack of stable jobs, but also the borrower's personal debt ratio is too high. How to judge personal debt ratio? Under normal circumstances, the bank's assessment standard for the debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, banks will refuse to lend.
At present, users are more likely to apply for loans such as Loan Bao, 360 IOU, Money Flower, Comfortable Flower, Banyan Tree Loan, Micro-loan, JD.COM Gold Bar, Gome E Card, installment music, pat loan, repayment, 58 easy-to-borrow foreign currency pot, enough flower and good loan. However, whether the loan platform finally meets the user's loan demand depends on the user's current personal qualifications. The higher the personal qualification (the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to apply for loans from users, and vice versa.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
References:
Du Xiaoman has money to spend on official website.
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!