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The loan qualification is good, how can it be rejected?

Time: 2018-01-03         Source: Those things in the house these years         Author: These are those things in the house

Not a blacklist, why are you refusing?

Some people say that I am not a blacklist. If there is no overdue credit, how can I still be rejected? Is it wrong to write a letter blank? A credit record is an important document for judging a person's willingness to repay. If the credit is blank, the lending institution cannot evaluate it, so the credit gap may also result in the loan being rejected.


Why are loyal customers always rejected?

Some people say that my qualifications are not bad. I am a loyal customer of X organizations, but every time a submission is always rejected, what happened? Because each organization's risk control is different, the focus of reviewing customers is different.

For example, if you are a business owner, you can apply to an institution that only looks at the card-paying wages. The results can be imagined. So before you apply, learn about the company's products.

Elegantly forced to be rejected, too?

Some people only need 30,000, but they have to fill in 100,000 on the application amount, which shows their confidence. They will think that the credit review will often compromise the amount of the loan. In fact, the most taboo of the loan is not planned, blindly ahead of consumption.

Of course, the amount of the loan is based on a comprehensive assessment of your actual income and credit. If the qualifications are average, the application amount far exceeds the actual repayment ability of the applicant, and the letter of approval is very cautious.


So what is the impact of loan refusal?

Specifically, the borrower's record will be saved when the loan is made. Whether the loan is successful or rejected, the lending institution can check it. Under normal circumstances, a small number of rejections will not affect the borrowing and manufacturing, and will not affect their next loan. However, if the lending institution inquires that the borrower's loan is rejected too many times, it will have the following two effects:

(1) Personal credit affecting the borrower:

The lending institution will think that the borrower's financial situation is relatively tight, and it is difficult for the income of the lender to pay the repayment amount, which will affect the lender's personal credit.

(2) It is difficult to apply for the next loan:

The number of loan rejections is too high, and the loan record will show that the lending institution can see through the inquiry, which makes the next successful loan application difficult.

Therefore, we would like to remind everyone that when we apply for a loan, we should try not to apply frequently. If the application is rejected, we must figure out the reason for the rejection. Only when we find the reason can we solve the problem, the next application can be passed, and blind application is not allowed. Take it, it will only lead to rejection again.

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