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note! Stepping on these red lines, you may not be able to borrow a penny!
Can't bear it, mobile phone number, sesame branch, work unit, home address, contact phone number, where there is nothing wrong with it, I don't approve my loan!
Pikuanxia, a contemporary Chinese prophet, thinks that the reason for refusing a person is thousands of.
To say that the recent application for a loan, the chance of being rejected is definitely greater than usual. The main reason is that the state strictly prohibits consumer loans from entering the property market in violation of regulations. The Banking Supervision Bureau and the People's Bank of China have issued separate documents, requesting the strengthening of personal consumption loan management to prevent credit funds from entering the real estate market.
The long-awaited "wind control tightening" on the rivers and lakes has finally arrived, so even if the qualifications are good, it may be refused. In addition, even if the loan has not been paid, if it does not pass the bank's screening, it may be required to pay a one-off payment.
In the process of loan, there are still some circumstances that will lead to the rejection of the loan. Under these circumstances, the borrower can't do anything about it.
1. Loans to the industry
For example, real estate, steel, metallurgy, freelance, special occupations, lending and other industries, all belong to the loan ban industry, these users are more likely to apply for loans rejected than other industry groups.
The reason why real estate agents are easily rejected is that banks believe that they are familiar with the loan process. If they insist on fraudulent loans, it is easier to fabricate loan information and the risk of lending is greater.
The self-employed is because income is unstable, indicating that their solvency may not be stable, so banks are not willing to lend to these people. Well-known stars also belong to the industry. Even if it seems that the income is high, in the eyes of the bank, instability is a big taboo.
2. Age limit
Basically all loans require applicants to be at least 18 years of age, which should be considered a hard condition. However, many people under the age of 18 also have the need to borrow money, so Xiajie often sees someone asking questions in the background, "online, etc., less than 18 to borrow." In this case, Xiajie can only say that I can do nothing...
Of course, if there is a legitimate use of capital turnover, this part of the population can ask parents to help apply for a loan.
3. Geographical discrimination
Xiajie has contacted an insider. He said that if the borrower is in the XX city, then other information may be excellent and will not be granted. The reason is that the borrowers in this area are not overdue and the arrears are not always issued. They are listed as “regional blacklists” by the loan industry. As long as they are on the list, they are basically rejected.
For these reasons, for some borrowers, it is really a “flying disaster”, but the loan industry is not targeted at individuals. If such a situation is encountered, other ways can be tried to solve the funding problem, such as mortgage loans, such as private lending.
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