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