; ? Nowadays, online lending has become an important tool for young people. Once you are in urgent need of money, the first thing you can do is to apply for online loans through your mobile phone and repay them on time every month. However, the risk control of online loans is becoming more and more strict, and some online loan applications are always rejected. What's going on here?
1, the application conditions are not met.
Nowadays, many online loans will indicate the eligibility for application in advance. I suggest you look at it before applying.
Generally speaking, you must be at least 18-60 years old and have a stable job and income, so applying for a loan may be rejected because of your age and income.
2. The loan information is incomplete or incorrect.
Some people are too careless to fill in the loan application and fill in the wrong information without knowing it. Some people deliberately cheat loans and fill in personal information indiscriminately.
Now the online loan system is generally more scientific, and it will compare your personal work certificate, income certificate, salary flow, credit card bill, social security and so on. If the loan amount is large, more information is needed. If it is inconsistent with or too different from the borrower's own situation, it will be directly rejected by the lending institution.
3, personal debt is too high.
Some online loans will check credit information. If there are housing loans, car loans, credit card overdraft investment, etc. These liabilities may lead to loan rejection. Generally speaking, the debt ratio should not exceed 50%.
There are many overdue credit reports.
This is a serious delay. No matter which lending institution you are in, you will be rejected. The platform will consider the risk of loans, and those who have overdue too many times will directly refuse. Asking too many questions can also lead to loan rejection.
Step 5 take it back
Very few users will be rejected because of missed calls and abnormal answering, so we have always stressed that everyone must keep their mobile phones open and answer customer service questions truthfully.
What's wrong with applying for a loan? It's basically because of them!
; ? Many friends were rejected by financial institutions when applying for price-increasing loans, and their hearts were hit hard. These friends must be curious to know what happened when they applied for a loan. Let's introduce the relevant content for everyone. Friends who want to know what is going on when applying for a loan can have a look.
What happened when the second loan application was rejected?
1, which is not within the service scope of financial institutions. Generally speaking, financial institutions have restrictions on the age of lenders, and often require lenders to be between 18-60 years old. For online loans and small loans, many loan platforms require borrowers to be between 18-40 years old.
There are many credit agencies in the market now, and everyone's credit is recorded. If the borrower is a credit loan user or an online loan user, then the loan will inevitably be rejected.
3. The personal information provided by everyone is incomplete or abnormal, such as the applicant's ID card is not my ID card or the provided ID card is expired.
4. When applying for a loan on the online lending platform, the online lending platform will give the borrower a loan amount in advance. It is normal for everyone to refuse to apply for a loan if the loan amount applied for exceeds their available amount.
What should I do if I refuse to apply for a loan?
2. Before choosing a lending institution, carefully understand the application conditions and required information of the lending institution to see if you can meet all the conditions. I suggest that you try to choose a lending institution with a low threshold to improve the possibility of loan approval.
3. Check your personal information carefully to make sure there are no mistakes or omissions. Remind everyone to use my real-name authentication ID card, bank card and mobile phone number.
What are the reasons for the rejection of online loan applications? What are the precautions for applying for online loans?
Lead: With the continuous progress of society, people's consumption demand is great now, and people's online loan is the most convenient way to borrow now, but many people are often rejected when applying for online loan. So what are the reasons for the rejection of online loan applications? What are the precautions?
What are the reasons for the rejection of online loan applications?
1, the conditions do not match: although the current online loan products have a relatively low threshold, they also have certain application conditions, such as 18, the real-name registration system has a mobile phone number for more than half a year, and the sesame score is more than 600. If you don't meet the hard conditions, you will undoubtedly be rejected.
2. Incomplete information: In the process of online loan application, you need to fill in the authentication and loan purpose. The more complete and true the information, the higher your loan pass rate. On the contrary, if the information is omitted or there is false information, it may be considered by the lending institution to be suspected of false loan fraud, thus rejecting your application.
3. Poor credit information: Good personal credit information can help us apply for loans better and faster. On the contrary, if the borrower often fails to repay the loan within the time limit or applies for the loan too frequently in the near future, it will leave a stain on personal credit information or online big data, and it will be very difficult to apply for the loan in the future.
What are the precautions for applying for online loans?
1, check the credit information
Although most private lending markets do not check the credit information of the central bank, consumer finance and licensed microfinance companies will still check the credit information. Don't have too many such hard questions, so as not to affect subsequent banking business.
2. Mobile phone number
Generally speaking, the number in real-name registration system should be used normally for at least 6 months to prevent someone from applying for online loan with a newly registered number and then changing the number. Therefore, the improvement of mobile phone number is particularly important.
Except real-name registration system, the longer the mobile phone number is used, the higher its potential value. Some online loans require operator authentication, mainly to obtain the telephone records of borrowers. We choose whether to authorize them according to our own situation.
3. Authorize other platforms
Now, in addition to credit investigation, there are many data to prove the borrower's financial status, such as Sesame Branch, JD.COM, Xue Xin, provident fund, workshops and so on. Good data can greatly improve the success rate of loan application, but we must find a safe and reliable institution, otherwise it is not easy to authorize, so as not to disclose personal information.
4. Mobile phone cleaning
Because many online loans need to read the address book and authorize some functions, so clean up the address book, call records and text messages in the mobile phone, otherwise the loan application will fail.
Summary: When choosing a platform, you must choose the one that suits you. Fill in the information completely and don't cheat.