There are many reasons for poor credit reporting, some are unintentional, and some are malicious in the eyes of banks. Generally speaking, it is malicious for copy to be overdue for many times or not to repay after bank collection. In fact, in the loan industry, there is a principle of "three consecutive times and six overdue times". If you are unfortunately on the bank's blacklist, 100% of the loan will be rejected. Banks generally look at the borrower's credit information in the past two years. If there is Adu's behavior of overdue repayment at present, it is also quite fatal.
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2. The debt ratio exceeds 70%
Many borrowers are puzzled: why did I get such a high income and the running water of the bank, and the result was still rejected by Zhizhi? In fact, income is only one aspect that banks must look at, and what really reflects the borrower's repayment ability is the debt situation. Considering that the borrower's debt information is not fully displayed in the submitted loan information, the bank requires that the loan application with a debt ratio exceeding 70% be rejected. And if you want a higher loan amount, only the family income exceeds twice the debt.
Loans are usually refused for the following reasons:
1. Loan restrictive industries As the saying goes, men are afraid of entering the wrong line and women are afraid of marrying the wrong person. In the circle of lending, industries are not equal, and even some industries have level restrictions. If you are in these industries, the possibility of being refused a loan is very high. Then, what are the common industries that are regarded as restrictive by banks and other lending institutions? Affected by the economic restructuring policy, those industries with overcapacity bear the brunt, such as steel trade, cement, photovoltaic, wind power and chemical industry. Secondly, real estate is also one of the main industries that have been refused loans. There is also the investment industry, such as stock trading, which wants to take the bank's money and return empty-handed, and the bank is unwilling to take this risk. In addition, there are many unstable factors in the entertainment industry, which is also a taboo industry for banks.
2. There are many reasons for bad credit records (refer to link: bad behaviors that affect credit reporting). Some behaviors are unintentional, and some behaviors are malicious in the eyes of banks. Generally speaking, it is malicious to fail to repay after repeated overdue or bank collection. In fact, in the loan industry, there is a principle of "three consecutive times and six overdue times". If you are unfortunately blacklisted by the bank, 100% of the loan will be rejected. Banks generally look at the borrower's credit information in the past two years. If there is overdue repayment at present, it will be quite fatal.
3. The debt ratio exceeds 70%. Many borrowers are puzzled: why did I get such a high income and bank flow, and the result was still rejected? In fact, income is only one aspect that banks must look at, and what really reflects the borrower's repayment ability is the debt situation. Considering that the borrower's debt information is not fully displayed in the submitted loan information, the bank requires that the loan application with a debt ratio exceeding 70% be rejected. And if you want a higher loan amount, only the family income exceeds twice the debt.
4. Inconsistent income and assets. There are indeed luxury car houses, but the income is not so good (credit cards are also signed by others). This kind of person is judged as a fake local tyrant by the bank, and it is very likely that the loan will be rejected.
5. It is understandable that the credit information has been inquired many times. However, if credit institutions frequently inquire about your credit information, it is a bad signal for banks. This means that the applicant may have applied for credit from many institutions (indicating a lack of money, which may also lead to higher liabilities). To make matters worse, many credit institutions have no record of new loans for a period of time after checking the credit records, which means that the applicant's multiple loan applications have been rejected. Therefore, in a period of time, if you check the credit record many times (preferably no more than three times in the last three months), the bank will also refuse the loan.
6. Spouse's credit information is not good. If a married person applies for a loan, remember to pay attention to the spouse's credit situation. Both husband and wife have the same property. Once a loan is made through this kind of property mortgage, there will be a dispute over the bank's disposal of the collateral if the borrower defaults and the borrower's spouse does not agree. If the spouse's credit is good, it can reflect that the borrower's default risk is relatively low. So sometimes the bank will refer to the credit information of the borrower's spouse, especially when borrowing money or buying a house.
7. There are two situations in which the loan information is incomplete and incomplete: unable to provide and unwilling to provide. Bank loans, loan information must be provided, and sometimes it is indispensable. If you can't meet the requirements of providing complete information, it is normal to be refused a loan.
8. Low level of account manager The last thing to say is the account manager who handles your loan. Sometimes, less loans may be related to their business level. They don't have a thorough understanding of the bank's loan products or policies, and they can't respond flexibly to various changes, leading to loan abortion. The direct-operated cities of Easy Loan Network (mainly Beijing, Chengdu and Wuhan at present) have high-level loan consultants, all of whom can only be employed after strict examination. In addition, Easy Loan has strong business expansion and rich offline cooperation channels. Therefore, borrowers in these cities can customize loan schemes through direct platform loan consultants.