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Why are you denied credit? 99% of the loans are refused to die in this!

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

As long as you apply for a loan, whether it is a mortgage, a car loan, and an unsecured loan, the bank and other lenders 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 rejection. So, the bank audit mainly look at what information? The inside information determines whether your loan is approved? 99% of the loans are refused to die in this above! !

First, malicious overdue

There are many overdue behavior, such as individuals do not understand the provisions of the bank repayment date, the staff did not explicitly inform the repayment date, college loans after graduation did not repay the loan on time and so on. If the cardholder subjectively for the purpose of illegal possession, deliberately overdrafts in excess of the time limit, and after the collection by the card issuing bank refused to return, it is malicious overdue.

Second, to guarantee huge debts for others

In the guarantee for others, be cautious, according to their own ability, must not exceed their ability, not to their own real estate and other necessities as collateral! It is best to state in the contract as a "general guarantee", otherwise, it may bring huge debts for yourself.

Third, the individual already has a debt (debt accounted for 70% of the income ratio)

In general, a family's total income of at least twice the debt, the bank can agree to lend. Borrowers in the loan must be based on the provisions of the debt-to-bank ratio, a reasonable assessment of their approval of the approximate amount. What needs to be specially explained is that banks have different requirements on the debt-to-asset ratio. Borrowers also need to consult in detail.

Fourth, many times the credit inquiry records

If for some time their credit reports were checked for more than 3 and 3 times but showed no new loans or credit card applications, it could mean "such information has been applied to many banks for a loan or credit card failure" There may be a negative impact on getting a new loan or applying for a credit card.

Five, spouse's credit bad

Individuals apply for purchase loans, the bank in addition to loan applicants information and credit review, the spouse's credit is also an important factor for the bank, one of the bad credit records, is likely to lead to the other party failed to apply for personal loans.

According to the different credit information damage, melt 360 small make it a specific reason analysis, under different circumstances, corresponding to different strategies, the possibility of getting a loan will be greatly enhanced.

First, the false information caused by false information, apply for administrative reconsideration, you can get a loan

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

Li Si letter report mispronounced record, obviously high school, but it shows that undergraduate university ...

These situations can be attributed to the bad credit information caused by poor, to a lesser extent, you can go directly to the local central bank credit center, objection to the application, usually 15 working days, you can get a reply; more serious procedures , Such as imposturing loans, in addition to negotiating with the banks, may also need to go to the public security organ for reporting cases, but after all, to solve the problem of incomplete information after getting loans is quite easy.

Second, due to outstanding fees and other credit caused by bad, issued non-malicious proof can be overdue

Some people's credit failures are caused by overdue personal repayments, but there are still some relatively innocent people who do not understand credit card rules, owe annual fees, or third-party reasons, the bank charges are not promptly caused.

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

Get this pass, your application for the road will be unimpeded.

Third, the number of overdue credit fails to exceed the relevant provisions of poor banks may lend at discretion

Different banks, the tolerance for overdue is not the same. Some are very strict, some are relatively loose. In general, you have to grasp a degree:There should be no second visit in the past three months, three in the last six months, and four overdue visits in a year; You can think of it as a red line, not exceeding this red line range, substantial income, repayment ability is good, the bank will still lend discretion.

And if your overdue is very serious, more than the bank's tolerance. Xiaobian financial 360 can only suggest that you pay off the arrears, to maintain five-year repayment schedule, wait for bad credit history automatically eliminated. (Some banks only look at credit information within two years, nor do they feel particularly discouraged)

Fourth, you can try a mortgage loan

Bad credit, if you do not take the road loan, you can also try a mortgage loan. Usually the value of collateral is high enough, commercial banks or some small loan companies, you will be relaxed on your personal credit conditions.

Showing real estate, cars, insurance policies and other valuable collateral, even if the credit is bad, is also very likely to get a loan.

Fifth, try emerging internet credit products

Credit more and more important, in addition to the central bank credit, many private credit agencies have gradually become the system, such as sesame credit, credit koalas, the former credit and so on. They also introduced a number of loan products, your central bank credit is not as the main reference, but rather you are on the platform of credit habits and consumption records.

Specifically, Alipay borrowed chant, Koala credit loan products, millet loans, Jingdong gold bars and the like, if the spending habits of the platform is good, the same can get a loan.

Financial 360 Reminder:

In order to minimize the difficulty of the loan, improve your loan application rate, to establish a good credit habits, apparently urgent.

Attachment:Thirteen cases easily leave bad credit records

1. Credit card three times in a row with a total of six overdue repayments

2 mortgage for a total of 2 to 3 months overdue or no repayment;

3 car loan for a total of 2 to 3 months overdue or no repayment;

4. Loan interest rates increase, still according to the original payment of "monthly", resulting in interest overdue;

5. Water, electricity, gas fees are not paid on time;

6. Personal credit card appears malignant cash behavior;

7 student loan defaults do not repay;

8. "Sleep credit card" is not activated to generate annual fee;

9. Credit card overdraft consumption, mortgage loans did not repay on time;

10. To provide guarantees to third parties, the third party did not repay the loan on time;

11. The court part of economic class judgment and other debts economic disputes;

12. Mobile phone deductions and bank card deductions linked to the phone after the suspension due to monthly fee;

13 was fraudulent ID card or copy of ID card arrears records.  

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