Information > General article > Raiders channel > Consumer loan >  text

note! Stepping on these red lines, you may not be able to borrow a penny!

Time: 2017-10-13         Source: Rong 360 original         Author: Nanshan

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.

Urgent use of money? We have reviewed hundreds of microfinance products! Pay attention to the WeChat public number "wallet bag" (ID: qianbaodaizi), no longer afraid of borrowing money.

[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to:

Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
you may also like
  • Shengrong online crisis upgrade: it is possible that one penny cannot be obtained  315 Financial Complaints I have invested tens of thousands of pieces in Shengrong Online, and all of my savings for three years have been broken. An investor complained to the Southern Reporter. The P2P platform with the largest volume of transactions in Guangzhou is still continuing. According to the previous announcement, the investor on March 10...
  • Attention! These ten small details that you don't care about, may make you lose money in the future.  Gold has value and credit is priceless. In this age of credibility, personal credit reports play an important role in many areas such as housing loans, credit cards, private lending, job hunting, and renting houses. However, you don't know, these ten small details that you don't care about can actually make you...
  • What are the loan uses? If you don't understand this, you may never get a loan!  Under what circumstances will the bank refuse your loan approval? Salary is too low? Bad credit? In fact, there is another reason that everyone can easily ignore, that is, the purpose of the loan is not clear. You might say that since the loan, of course, the capital turnover is not open, who is okay to lend...
  • note! These words are all pit people, you can't afford a dime!  It is said that the higher the glory of the king, the higher the loan amount. Pikuanxia thought that this kind of lie that looked naked and couldn't be naked was definitely not believed. But the facts are ruthless, and the chivalrous sisters have a few slaps. Also, in the world of the vast majority of friends, this...
  • Innovation is not just regulatory arbitrage. Internet finance cannot be stepped on the red line.  The benefits of Internet finance are numerous, and the efficiency of financial resources allocation has been greatly improved by the network. At the same time, the financing threshold for small and micro enterprises and individual entrepreneurs that were originally short of money has been greatly reduced. On the other hand, Internet finance has also set off a nationwide investment fever, quality user experience...