Information > General articles > Raiders Channel > Novice loan >  text

The 6 big mistakes in the loan application were rejected in the minutes!

Time: 2018-05-11         Source: Popular Flowers         Author: Volkswagen flowers

Now there are many loan products, among which the most undoubtedly the borrower's preference is the unsecured microfinance. Not only is there no need to provide any mortgages or guarantees, but the loan is often very fast. However, although the threshold for unsecured micro-credit applications is low, many of my friends still rejected loans for a number of reasons, mainly:

[The age is too small or too big]

In general, the appropriate age is the primary condition, and lenders are generally willing to lend money to borrowers aged 18 to 55 years old. If the age is too small or too large, no loans will be made. This is because: If you are under 18 years of age, there is no source of income, and you do not have the ability to repay. If you are over 55, the risk of repayment is also very high. of.


【 Frequently applying for a credit card or loan 】

If the borrower frequently applies for a credit card or a loan in a short period of time, the individual credit information is queried multiple times, and the lending institution will think that the borrower is borrowing money from all directions and will be listed on the trade association list.

【 Application materials fraud 】

Loan materials refer to bank liquidity, work certificates and so on. The consequences of providing false materials are very serious. Once they are identified by the lending institution, not only the loans will be rejected directly, but they will also be blacklisted by the lending institutions. After that, the loans will be greatly affected.

【 Bad Credit Record 】

Whether it is applying for a loan or a credit card, it has certain requirements on the credit status of the applicant. If you have overdue repayment records, or bad credit cards, it will be difficult to apply.

[Insufficient overall score]

The comprehensive credit score is a loan institution that makes a comprehensive evaluation based on the applicant’s personal circumstances and the submitted information. If the overall score is not enough, it will not go through the system.

[higher personal debt]

The level of personal debt directly relates to the borrower’s ability to repay. If the debt level is high, it will be more difficult to pass the approval if it exceeds 50% of the income. More than 70% of debt will be rejected.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • What are your eight errors in the loan?  They all said that loans are the last straw for many people who are desperate to make ends meet. They also said that except for the banks, all others are usury loans. In Xiaobian's view, it is that everyone misunderstood loans too deeply. Misunderstandings for the eight major misunderstandings of loans: 1. Only talented people go for loans? Through the major loans...
  • What are some of your financial misconceptions?  This article is based on 360 columnist Xiaoxi Reading's original works. It only represents the author's personal views. It does not represent the 360 ​​official position. Please contact the author for permission. Today we continue to talk about common misconceptions that ordinary people will encounter and see if we have our shadows. Connect to...
  • The reasons for the rejection of the application card were listed in large numbers.  Shenka was rejected. Many people have encountered such a tragedy, but many people do not know why. According to the bank’s application rules, there are dozens of reasons for rejecting you. Let’s take a simple inventory and see if you’ve got a few of them? 【employer...
  • What are some of the biggest misconceptions about using credit cards? !  When did the credit card rise? I do not remember. I only know that more and more young people are using credit cards. Some smart young people use cards to pay cards and use credit cards to enjoy their lives. The result is that as long as there is a card repayment problem,...
  • The four misunderstandings of personal credit information.  I believe many small partners know that if your credit card is not repaid on time and the defaulted bill is not repaid for a long time, the bank will report the situation to the Central Bank to record your bad credit, but how much do you know about the credit information? The following four are listed in the Xiaobian...