Information > Ordinary article > Raiders channel > personal loan >  text

What does personal credit do not do?

Time: 2013-03-19         Source: melt 360 original         Author: Li Jing

        PersonalCredit LoansNot how to do? personalCredit loanIs a bank or other financial institutions to the credit good borrowers do not need to provide security for the RMB credit loans. Based on personal credit and repayment ability, the amount is generally not more than 500,000, the borrowing period is 1-3 years. In dealing with personal credit loans, many borrowers think they are good conditions but eat the bank "closed-door", which is because of what?

"Qualification is not enough" is the most beautiful bank excuse
Many people who apply for a loan to refuse will feel "happiness is always so full, the reality is always the backbone." In fact, there are many reasons for the failure of the loan, the bank credit commissioner may not understand the loan applicant's industry, may be in the application for loans when the bank's credit line is full, it may be the amount of the loan application is too small, the loan officer do not want to do The But no matter what the case of the loan fails, you get the answer is often: personal qualification is not enough and so on. So, do not think that a loan application is rejected is a "cup", a lot of time to find a few different banks to apply even more than a few times, often have different results.
There is no loan or loan
In fact, the loan and college entrance examination to fill the same volunteer, a school does not mean that all schools off the school closed the door. Similarly, in oneBank loanFailure does not mean that the bank will close the door to you, because the various bank loans to apply for specific terms may vary, the threshold level is also different. A bank rejects you and does not mean that other banks will refuse you.

Find the real reason for the failure of the loan
According to statistics, a small and medium enterprises to an average of more than 10 banks can be successful financing. The individual in the application for a loan need to pay attention to is that if there are a number of banks that your loan was rejected a common problem, then this may be the real reason for the failure of your loan, need to make up on this issue in a timely manner, The bank gets in touch with the trust.

【Exclusive manuscripts and disclaimers】 Any work that engages in "360 originals" shall not be reproduced, excerpted or taken in any other manner by any unit, organization or individual without the written permission of the financial entity. Has been authorized in writing, indicating the source of financial 360. Violation of the above statement against the legitimate rights and interests of financial infringement, will be held in accordance with their legal responsibility. Works of materials and conclusions for reference only, does not constitute operational recommendations. For written authorization please send an email to:

Comment list (User comments only for users to express personal views, does not mean that this site agree with their views or confirm their description)
you may also like
  • Personal credit stains how to do?  Bad record commonly known as credit stains, credit reports only for objective records, not for credit evaluation. So, how can personal credit be stained? According to the 2013 regulations, the Regulations on Administration of Credit and Credit stipulated that the credit institutions' retention period of personal bad information was not good.
  • Why did not apply for a small loan?  Many people in the hurry when the money, choose a small loan is a last resort choice, but if the application of small loans are not passed, how to do it? Unfortunately, your loan approval did not pass! why? Take the application to the money for small loans for it, apply for a loan was rejected ...
  • Encounter personal credit report wrong how to do?  Problem: financial 360 loan experts, hello! May I ask if my personal credit report is wrong, what should I do? Rong 360 loan expert reply: Hello! If you think your personal credit report is wrong, you can solve the following two ways:
  • Personal credit report wrong how to do?  Personal credit reporting is becoming increasingly important, if the credit report is wrong, will affect the loan or credit card approval. So why is the personal credit report wrong? What happened? It is reported that the credit report errors are mainly the following situations: (1) individuals in the ...
  • Buy second - hand housing not through the intermediary can you?  Buy second - hand housing not through the intermediary can you? In fact, second - hand housing transactions can be traded without intermediaries. Buy second - hand housing does not pass the intermediary of the housing transaction process: 1, buyers and sellers will be agreed upon after the transfer of goods to determine the price of housing transactions; 2, to the housing registration certificate ...