High-risk customers of banks mean high-risk customers. Generally speaking, high debt ratio, frequent application for loans and a large number of bad records in personal credit information may be listed as high-risk customers by banks. At this time, users need to consult the bank first to find out why they are listed as high-risk customers, and then solve the problem for this reason. If the credit is bad, keep a good credit record; If the debt ratio is too high, some loans with small amount will be repaid in advance. As long as the user removes the risk factors, he can quickly return to normal customers. High-risk customers may be due to:
1. Personal debt ratio is very high. When a bank conducts qualification examination, it will not only inquire about the applicant's credit record, but also examine its debt ratio. Because if the personal debt ratio is too high, the corresponding repayment ability will be insufficient. Many friends who think they have a stable job, a stable income and a good credit are refused to apply for loans or credit cards, and most of them fall here. Even if the credit is good and the income is high, it is useless. If the debt is high and the repayment ability is insufficient, it has been included in the list of high-risk customers.
2. Apply for loans frequently. Many people like to apply for loans from several financial institutions at the same time, and then apply for loans from another one when the last loan has not been settled. Such users are also high-risk customers in the eyes of banks. Because they frequently apply for loans, banks will think that they are definitely short of money, and their repayment ability cannot be guaranteed, and they may not repay at any time. It is understandable that the application for a loan was rejected.
3. People over 50 years old, in the eyes of banks, will retire in a few years. Moreover, due to old age, physical fitness is not as good as before. Once there is a physical problem, it is difficult to guarantee repayment on time. Therefore, such people will have a higher risk of overdue.
The borrower should repay the loan in full and on time, and ensure that there is no overdue record, overdue amount and overdue duration. And high-quality customers often have good credit records, and their credit status is excellent.
Concentrate your daily financial activities on one bank, that is, use one bank's services such as savings and credit card consumption. With the increase of transaction volume, the bank will judge the income and credit status according to your behavior records, and then determine whether it has the conditions for quality customers.
What should I do if the bank loan is rejected? Reasons for the rejection of bank loans
First, personal credit is not good
As we all know, after the borrower applies for a loan, the bank will begin to review the borrower's personal credit record. Because the bank's loan requirements are generally high, it is generally difficult to apply for a bank loan if the borrower's personal credit is bad. Xiaoxi reminds all borrowers that if their personal credit records are bad, they can apply for a loan again 12 months and 24 months after the loan, and wait for the bad records to be eliminated, and they may also apply for a loan.
Second, the loan conditions are limited.
There are many banks that can lend now, so the loan conditions and requirements of each bank are also different. Before applying for a loan, the borrower should understand the relevant policies and requirements of the loan bank and judge whether he meets the loan application standards of the loan bank. Generally speaking, most banks require borrowers to be over 18 years old, with good personal credit and stable occupation and income.
Three, the loan information should be complete.
When you apply for a bank loan, you need to prepare complete corresponding materials, including personal information and product certification materials. Xiaoxi reminds all borrowers here that the relevant application materials provided by everyone must be true and effective, and don't be clever in front of the bank. It should also be noted that if there is a real estate or vehicle in the borrower's name, it is also a plus item for applying for a loan.
Fourth, the personal credit score is low
The audit center of the bank will comprehensively score the borrower according to the application form, loan application materials and personal credit records submitted by the borrower, and the low credit score will directly lead to the rejection of the loan. This includes factors such as whether personal information is complete and personal credit is good. However, because the credit record is fair and objective, it cannot be changed. Therefore, if you want to gain the trust of the bank, you can work harder on personal qualification documents.
V. Frequent application in a short period of time
In addition to the above four points, borrowers are likely to be rejected if they apply for loans from banks frequently. Borrowers frequently apply for loans from banks in a short period of time, which will make banks identify them as high-risk and low-credit customers, making it more difficult to obtain loans.
What does global high-risk rejection mean?
The overall high-risk rejection means that the loan is rejected because the risk to the customer is too high, mostly because the bank decides that the loan risk is too high for you in terms of credit and liabilities, so it rejects your loan request. That is to say, it may refuse the loan because of various factors, such as malicious overdue, bad records or guaranteeing huge debts for others, or credit records have been inquired many times, and there may be many loan records. It is very likely that there are many online loans, which are affected by many loads. It is also possible that the spouse's credit is poor, and it is possible that the flow of water is cut off, unstable, or the repayment ability is not strong, that is, the personal existing liabilities account for 70% of the income. It is also possible to exaggerate the operation, and then there is an abnormal payment status of provident fund information; The social security information does not match, and the payment status is abnormal. Or see if the applicant has a bad record in the tax bureau, such as private enterprises and legal persons, and it may be because the industry he works in is a high-risk industry and a high-risk industry; Then there is not cooperating with the investigation, and then we will see if the assets are not real, that is, luxury houses and luxury cars that do not match the normal income situation, and the time of property rights and loan application is close, and then we will see that family members do not recommend handling or providing customers with negative information about them, or that they are not willing to repay, or have criminal records.
It should be reminded that credit information is very important to us. If it is registered, it is very likely that there will be a global high-risk rejection, and we must return the credit card in time for personal credit information. If you don't pay off the bill, even if you sell the credit card, it's useless, and it will still be in your bad credit; Credit card overdue, mortgage and other loans should be paid off in time, and those overdue will be recorded. If it is overdue for more than 90 days, it will be even worse for your personal credit. Banks will score lower when evaluating your personal credit; At the same time, don't guarantee others casually. If others don't pay the money, it will also affect your personal credit. Therefore, don't think that you can vouch for others just because you don't need money. You should also be responsible if others run away.
Let's stop here for the introduction of high risk of loan rejection.