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Loan qualification is good, how can it be rejected?
Not blacklist, why not?
Some people say that I am not a blacklist, and no credit is overdue. How can I still be rejected? Is the credit blank also wrong? Credit records are important documents for judging the willingness of a person to repay the loan. If the credit is blank, the lending institution cannot evaluate it. Therefore, the credit gap may also lead to the rejection of the loan.
Why loyal customers are always rejected?
Some people say that my qualifications are not bad. I am a loyal client of the X family organization. However, each submission is always rejected. What happened? Because the risk control of each organization is different, the auditing customer's focus is not the same.
For example, if you are a business owner and you go to an agency that only looks at the wages of punch cards, the results can be imagined. So before applying, understand the product of the agency.
Elegant dress force, but also be rejected?
Some people only need 30,000, but it is only necessary to put a 100,000 in the amount of the application to highlight their confidence. They will think that letters and examinations often compromise the amount of money approved. In fact, the most taboo loans are not planned, blindly ahead of consumption.
Of course, the loan amount is based on your actual income and credit assessment. If the qualifications are normal, the amount of application far exceeds the actual ability to repay the loan, and the letter is very careful.
So what's the impact of a loan rejection?
Specifically, the borrower's record will be kept when the loan is made. Whether the loan is successful or rejected, the lender will be able to check it. Under normal circumstances, a small number of rejections will have no effect on the creation of loans and will not affect their next loan. However, if the lending institution finds that the lender's loan has been rejected too many times, it will have two effects:
(1) Personal credits affecting borrowers:
The lending institution will think that the lender’s financial situation is relatively tight, and its income is difficult to pay the amount of repayment, which will affect the lender’s personal credit.
(2) It is difficult to apply for the next loan:
If the loan is rejected too many times, the loan record will be displayed and the lending institution can see it through inquiries. This will make it difficult to successfully apply for a loan the next time.
Therefore, we must remind everyone here that when we apply for a loan, we try not to apply frequently. If the application is rejected, we must clarify the reasons for the rejection. Only if we find the cause can we solve the problem. The next application can only be passed, blind application is not allowed. Taken will only lead to rejection again.
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