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- Attention! The ten you do not care about the small details of the future may make you less than money Gold is priceless and credit is priceless. In this era of integrity, personal credit report in the mortgage, credit cards, private lending, job hunting, renting houses and other fields have an important role. But you do not know, these ten you do not care about the small details, can let you ...
- What are the loan terms? Do not understand this you may never credit! What kind of case, the bank will refuse your loan approval? Wages are too low? Is credit bad? In fact, there is a reason we can easily overlook, that is, the use of loans is not clear. You might say that since the loan, of course, the cash flow is not open, who is nothing to loan ...
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note! Stepped on these red lines, you may not borrow a penny!
Simply can not bear, cell phone number, sesame seeds, work units, home address, contact phone, where no problem, why not grant my loan!
Chinese contemporary prophet Xiajie (pikuanxia) that refused a person, can say the reasons, thousands are less.
To say that the recent application for loans, refused the opportunity, certainly greater than usual. The main reason is that the state is strictly prohibited consumer loans illegal entry into the property market, many banks and the People's Bank branch issued a document, asked to strengthen personal consumption loan management, to prevent illegal inflow of credit funds into the real estate market.
Rivers and lakes on the rumors of the "wind tightening" finally came, so even if the qualifications are good, there may be refused to loan. In addition, even if the loan has not yet paid off, if not through the bank's screening, may also be required a one-time debt service.
In the process of loan, there are cases where the loan is rejected, and in these cases the borrower can not do anything.
1. Involve loans for industry
For example, real estate, steel, metallurgy, freelance, special occupations, borrowers and other industries, are loans into the industry, these users apply for loans is more likely to be rejected than other industry groups.
Real estate intermediaries are easily rejected, mainly bank that they are familiar with the loan process, if insisted on lending, easier to fabricate loan information, the greater the risk of lending.
And their own occupation is because the income is unstable, indicating that their solvency may not be stable, so the banks are not willing to give these people loan. Well-known stars also belong to the industry, even if it looks high income, but in the eyes of the bank, instability is taboo.
2. age limit
Basically all the loans require the applicant to be at least 18 years of age, which should be a hard condition on the board. But many people under the age of 18, there are borrowing demand, so Xiajie often see someone in the background question, "online, etc., less than 18 to loan." This situation, Xiajie can only say that I can not do anything ah ... ...
Of course, if there is a need for proper use of cash flow, this part of the crowd can ask parents to help apply for loans.
3. Regional discrimination
Xiajie contact with a line of staff, he said that if the borrower in the region for the XX city, it may be other information and then excellent, will not give him a loan. The reason is that the borrower in this region, overdue, arrears are not often made, the loan industry as a "regional blacklist", as long as the list, rejected the basic no doubt.
For these reasons, for some borrowers, it is "flying", but the loan industry is so, not for individuals, if you encounter such a situation, you can try other ways to solve the financial problems, such as mortgages, such as private lending.
Urgent money? We evaluated hundreds of small loan products! Concerned WeChat public number "wallet bag" (ID: qianbaodaizi), no longer afraid to borrow money.
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