- 4 reasons to tell you why unsecured loan approval was rejected Walking into the world of unsecured loans, it is a perfect fit to describe what you see and hear with sorrow and joy. Some people cheered because of the approval, and some people were frightened by the loss of the loan. So what factors make the latter suffer a fatal blow? The following 4 reasons or...
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- Reasons for the rejection of unsecured loan approval Unknowingly, unsecured loans have been crowned as the savior's reputation, opening up a door for some unsecured friends to enjoy life in advance. However, sometimes people are laughing and crying, and depressed, I don’t know why. Why is it rejected by financial institutions...
4 reasons why unsecured loans are rejected
InUnsecured loanIn the market, there are often several happy events, some people are full of joy because of successful loans, and some people are downcast because of loan losses. Is there a reason for everything? Next, let's take a look at the reasons for the rejection of unsecured loans.
First, the loan information is not true
Some borrowers can't provide the bank's loan proof materials, they will find someone to make some fake materials. This seemingly perfect practice is actually very risky. Once the bank has verified that the loan information is not true, it can not only obtain loans, but also It may be pulled into the "blacklist."
Second, the debt ratio is higher
According to most banks, “new and old monthly supplies cannot exceed 50% of household monthly income”, that is, if the borrower’s debt is too high, it will be rejected.
Third, credit has "stain"
When applying for a microloan from a bank, the bank will first look at the borrower’sPersonal credit reportIf it is found on the personal credit reportBad credit historyThe loan application may also be rejected because the bank believes that such customers are not willing to repay.
Fourth, the repayment ability is not strong
In order to successfully obtain loans, the borrower must have strong repayment ability, that is, if the borrower's income is low, it is difficult to obtain loans. However, in the case of low income, if the borrower can provide proof of effective financial resources as an auxiliary financial resource, the bank will appropriately lower the loan threshold.
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