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The loan application has 6 major misunderstandings, and these few minutes have been rejected!
There are many loan products at present, and the most favored by the borrowers is unsecured micro-loans, which not only does not need to provide any mortgage or guarantee, but also the speed of lending is very fast. However, although the threshold for unsecured microfinance applications is low, many friends still refused loans for a number of reasons, mainly:
[ Age is too small or too large]
In general, the right age is the primary condition, and lenders are generally willing to lend to borrowers between the ages of 18 and 55. If the age is too small or too big, it will not be released. That is because: if you are under 18 years of age, there is no source of income, and there is no repayment ability. If you are over 55 years old, the risk of repayment is also very high. of.
[Apply credit card or loan frequently in the short term]
If the borrower frequently applies for a credit card or a loan in a short period of time, the personal credit information is inquired multiple times, and the lending institution will consider that the borrower is borrowing money and placing it in the industry association list.
【Application materials fraud 】
Loan materials refer to: bank water, work certificates, and so on. The consequences of providing false materials can be very serious. Once they are detected by the lending institution, not only will the loans be rejected, but they will also be blacklisted by the lending institutions, and the loans will be greatly affected in the future.
[ Bad credit record 】
Whether applying for a loan or a credit card, there are certain requirements for the credit status of the applicant. If you have overdue repayment records, or credit card bad debts, it is very difficult to apply.
[Insufficient comprehensive score]
The comprehensive credit score is a comprehensive evaluation made by the lending institution based on the applicant's personal circumstances and the submitted information. If the overall score is not enough, it can't pass the system.
[high personal debt]
The level of personal debt is directly related to the borrower's ability to repay. If the level of debt is high, it is more difficult to pass the approval than 50% of the income. More than 70% of the debt will be rejected.
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