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Why have you been refused credit? 99% of loans refused to die!

Time: 2016-07-11         Source: Rong 360 original         Author: vivian

As long as the application is for a loan, whether it is a mortgage or a car loan, or an unsecured loan, banks and other lending institutions will require the borrower to provide a personal credit report. If your credit report shows that your credit is bad, then it is possible to apply for a loan to be rejected. So, what kind of information does the bank look at when reviewing it? The information inside determines if your loan is approved. Ninety-nine percent of loans refused to die on this! !

First, malicious overdue

There are many behaviors that cause overdue behaviors, such as individuals not knowing the rules for bank repayment days, staff not explicitly telling the repayment date, or applying for a student loan during college, and failing to repay loans on time after graduation. If the cardholder is subjectively using illegal possession for the purpose of deliberately overdrafts within the time limit or amount, and after the card-issuing bank refuses to return after collection, it is considered malicious.

Second, guarantee huge debt for others

When guaranteeing for others, be cautious, according to your own ability, must not exceed your own ability, but also can not use your own real estate and other essential goods as collateral! It is best to write "General Guarantee Guarantee" in the contract. Otherwise, it may bring huge debts for yourself.

Third, individuals have liabilities (liability to account for 70% of income)

In general, a family’s total income is at least twice that of the debt before the bank can agree to the loan. Before borrowing, the borrower must reasonably evaluate the approximate amount of credit that can be approved according to the ratio of income to liabilities set by the bank. What needs to be specified is that different banks have different provisions on income-liability ratios, and borrowers need to consult in detail.

Four, credit information was repeatedly searched

If a credit report is queried 3 or 4 times or more for a period of time, but it shows that it has not obtained a new loan or applied to a credit card, it may indicate that “a lot of banks have applied for a loan or credit card but all failed”. Such information There may be an adverse effect on getting a new loan or applying for a credit card.

Fifth, the spouse's credit is bad

When an individual applies for a home purchase loan, in addition to reviewing the loan applicant's profile and credit, the spouse's credit is also used as an important factor for the investigation. The bad credit record of one party may result in the failure of the other party to apply for a personal mortgage loan.

According to the different conditions of the damaged credit information, the 360 ​​Xiaobian made specific analysis of the reasons. Under different circumstances, corresponding to different strategies, the possibility of getting loans will be greatly enhanced.

I. Bad credit information caused by false information. After applying for administrative reconsideration, you can get a loan.

I believe you have seen a lot of similar news: Zhang San was impostor and obviously never applied for a loan, but the bank said that he had overdue loans;

The record of Li Si credit report was false, obviously graduating from high school, but it shows that undergraduate students

These situations can all be attributed to bad credit information caused by false information. To a lesser extent, you can go directly to the local central bank credit center and file an opposition application. Generally, 15 working days will be available for reply. The procedures are more serious. In addition to negotiating with a bank, a fraudulent loan may also need to go to the public security agency to report a crime. However, after all, after solving the problem that the information is not true, it is quite easy to get a loan.

Second, bad credit due to default of annual fees, etc., can be issued with non-malicious overdue certificates

Some people's bad credit is caused by overdue personal repayment, but there are some relatively innocent because of the lack of understanding of credit card regulations, due to payment of annual fees, or third-party reasons, bank deductions are not timely caused.

In addition to actively paying off debts, you need to actively communicate with the bank to explain the reasons and to find out a non-malicious overdue certificate.

With this pass, your loan will also be smooth and unobstructed.

Third, the number of overdue does not exceed the relevant provisions of the bad credit, banks can lend as appropriate

Different banks have different tolerances for overdue loans. Some are very strict and some are relatively loose. In general, you have to grasp a degree:There can be no second time in the past three months, three times in the last six months, and no more than four times in one year.You can think of it as a red line, not exceeding the scope of this red line, with considerable income, good repayment ability, and banks will continue to lend at their discretion.

And if your overdue period is very serious, exceed the bank's tolerance. The financial editor Xiaobian 360 can only recommend that you pay off your debts, and keep 5 years of regular repayment habits, waiting for the automatic elimination of bad credit records. (Some banks only look at the credit information within 2 years and do not need to be particularly discouraged.)

Fourth, you can try a mortgage loan

Bad credit information, if you don't use the loan for communication, you can also try a mortgage loan. Usually the value of the mortgage is high enough. Commercial banks or some small loan companies will loosen up your personal credit information.

Showing valuable assets such as real estate, automobiles, and insurance policies, even if the credit information is bad, it is very likely to get a loan.

V. Trying to Emerging Internet Credit Products

Credit information is increasingly important. In addition to the central bank's credit information, many private credit bureaus have gradually evolved into systems such as sesame credit, koala credit, and Qianhai credit. They also introduced some loan products. Your central bank credit information is not used as the main reference. Instead, you value your credit habits and consumption records on the platform.

Specifically, there are Alipay loans, Koala credit loan products, Xiaomi loans, Jingdong gold bars, and the like. If you have good spending habits on this platform, you can also get a loan.

Fusion 360 reminds:

In order to minimize the difficulty of loans, improve your loan approval rate, and establish a good credit habit, it is clearly imperative.

Attached:13 kinds of situations easily leave bad credit record

1. Three consecutive credit cards and a total of six overdue repayments;

2. The mortgage loan for the accumulated 2 to 3 months overdue or not repaying;

3. Car loan monthly for 2 to 3 months overdue or not repaying;

4. The loan interest rate is raised and the "monthly supply" is still paid according to the original amount, resulting in overdue interest;

5. The water, electricity and gas charges are not paid on time;

6. Malicious cash out of personal credit cards;

7. The student loan is in arrears without repayment;

8. "Sleep Credit Card" does not activate to generate annual arrears;

9. Credit card overdraft consumption and mortgage loans are not repaid on time;

10. Providing guarantees for third parties, the third party did not repay the loan on time;

11. Some economic disputes in the court, such as economic judgments, etc.;

12. The mobile phone deduction is linked with the bank card deduction fee, and the monthly fee is owed after the decommissioning of the mobile phone;

13. The records of arrears incurred by other people for fraudulent use of identity cards or ID cards.  

Urgent money? We have reviewed hundreds of micro loan products! Concerned about the WeChat public number "look for a small money" (ID: luxiaodai360), replying to "emergency money", no longer afraid to borrow money.

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