How to solve the loan failure?
1. If the loan fails due to insufficient comprehensive score, users can improve their personal credit status by improving sesame credit score/paying off overdue loans/reducing debts and borrowing through multiple channels, and check their personal credit reports regularly to find and correct wrong information in time;
2. If the loan fails due to the abnormal state of the received bank card, the user can contact the bank in time to deal with related problems, or replace it with a normal bank card and apply for a loan again;
3. If the loan fails due to the abnormal status of Alipay account, the user can check whether the individual has any illegal operation and stop and correct it in time.
What are the reasons for the loan failure?
1, unfamiliar network environment. If the borrower applies for a loan in an unfamiliar network environment. In order to ensure the safety of funds and reduce the risk of loans, the lending system will choose to refuse loans. At this point, the borrower only needs to wait patiently for a period of time, and then when he returns to the normal network environment, he can re-apply for a loan.
2. The loan application equipment is unfamiliar. If the borrower suddenly changes the loan application equipment or changes the bound mobile phone number, the loan may also fail. In this case, it is suggested that the borrower can wait for about 3 days before submitting the loan application. During the waiting period, you'd better use Alipay for payment and consumption, and then prove that you are using the account through face recognition.
3. There is something wrong with the credit report. After the customer applies for a loan, the system will review the customer's credit information. As a credit loan product, the system naturally hopes that the customer's credit information is good. If the system finds that there is something wrong with the customer's credit information during the audit, it will worry about the customer's credit risk and directly refuse the customer's loan application.
4. The ID card has expired. Customers need to upload and authenticate their identity information on Alipay before they can get a loan. If the ID card uploaded by the customer on Alipay expires, the system will directly reject the customer's loan application and need to wait for the customer to re-authenticate the new identity information.
5. The income is not enough to repay. Customer's income is the guarantee to repay pure credit loans such as loans. If the customer finds that his income is insufficient, he will worry that the customer can't repay the loan after borrowing, and in order to control the risk, he will refuse the customer's loan application.
6. The debt ratio is too high. When applying for a loan, if the system finds that the customer has other outstanding foreign debts, even if these foreign debts are relatively large, it will worry about the repayment pressure of the customer in the future. Once this concern is raised, it will also affect the final loan result of customers.
The above are the common reasons and solutions of loan failure, and I hope it will help everyone.