Qiannong e loan application was successful, why did the bank not respond

Rural business credit e-loan requires the platform to rate individuals, verify the loan amount, issue loan vouchers, and issue loan vouchers to users who meet the bank loan conditions after passing the review, and the borrower repays the loan on time.

Loan process: 1) Credit rating assessment. It is mainly evaluated according to the basic situation of the lender, the status of assets and liabilities, the status of production and operation, the degree of creditworthiness and other indicators. It is generally divided into three grades: excellent, better and average.

2) Approved credit limit. On the basis of the results of the credit rating assessment, the demand for funds, and the application for credit limit, the rural credit cooperatives shall verify and determine the credit loan limit of the corresponding level.

3) Issuance of loan certificates.

4) Loan application. When applying for a loan, you can apply for a loan within the credit limit with a loan certificate and a valid ID card (or household registration booklet).

5) Loan disbursement. After receiving the loan application, the rural credit cooperatives shall sign a contract after examination by the personnel of the credit counter (or the door and cabinet personnel), fill in the loan IOU, and then use the loan according to the regulations.

6) Repay the loan on time. The borrower shall repay the principal and interest of the loan in accordance with the loan contract.

This answer is provided by Youqianhua, a credit service brand under Du Xiaoman Finance (formerly Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Youqian uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services. Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Hello, I'm fast and easy, low interest.

Rural Commercial Bank Agricultural e-Loan is a credit loan launched by Rural Commercial Bank, many people want to apply for Rural Commercial Bank Agricultural E-loan to solve the problem of funds, many people fail to apply for Rural Commercial Bank Agricultural E-Loan, so what is the reason for the failure of Rural Commercial Bank Agricultural E-Loan application?

1. Personal qualifications do not match. Rural Commercial Bank agricultural e-loan is very strict on the application conditions, if the applicant does not meet the qualifications, then the application for rural commercial bank agricultural e-loan will fail.

2. There is a problem with personal credit reporting. If it is found that there is a bad record in the applicant's personal credit report, indicating that the applicant does not meet the application conditions, it will lead to the failure of the application for the rural e-loan of the Rural Commercial Bank.

3. There are many debts. As a credit loan of the bank, the rural e-loan of the Rural Commercial Bank has requirements for the applicant's repayment ability, and if the applicant is found to have more debts, in order to prevent risks, then the system will reject the application.

If you want to successfully apply for a rural e-loan from a rural commercial bank, you must not only meet the application conditions of a rural e-loan from a rural commercial bank, but also maintain a good personal credit and reduce personal debts in order to have a chance to apply successfully.

1. Personal qualifications do not match. If the applicant does not meet the qualifications, then the application for the rural e-loan of the Rural Commercial Bank will fail.

2. Personal credit reporting.

There is a problem. If it is found that there is a bad record in the applicant's personal credit report, indicating that the applicant does not meet the application conditions, it will lead to the failure of the application for the rural e-loan of the Rural Commercial Bank.

3. There are many debts. Rural Commercial Bank Agricultural e-loan as a credit loan of the bank.

There are requirements for the applicant's ability to repay, and if it is found that the applicant has a large number of debts, in order to prevent risks, then the system will reject the application.

Summary. <>

Good morning, kiss!

Qiannong e-loan is currently overdue, which does not meet the loan requirements of our company, which means that the personal loan has been overdue, and the credit is not good, so it cannot be borrowed.

The ** you issued indicates that your previous loan has defaulted many times and does not meet the conditions for Qiannongyun to borrow, and you cannot borrow at present.

Qiannong's e-loan is currently overdue, which does not meet the loan requirements of our company.

Good morning, kiss! The Qiannong Bureau is currently overdue for e-loans, which does not meet the loan requirements of our company, which means that the personal loan has been overdue, and the credit is not good. The ** you issued indicates that your previous loan has defaulted many times and does not meet the conditions for Qiannongyun to borrow, and you cannot borrow at present.

It depends on what your default is, for example, the default is more than 90 days, then from the time of paying off the overdue date, it will take 5 years to recover the credit and borrow money. And it is necessary to maintain no new bad records on the personal credit report in the past five years.

If your default on credit is less than 90 days overdue, and the number of times is less than 3 times a year, this situation will be eliminated in about 3 years, and you can borrow!

I've only used this for a year, and I forgot to pay back the interest 3 times, and how long does it take to get rid of this if it's overdue for a few days.

This can only be eliminated 5 years after the overdue date is paid off, but you can borrow again in about 3 years.

The money was paid off in full.

The time from the settlement will be eliminated after 5 years, and the individual will have to wait about three years before borrowing again.

This has no impact on future loans for families and marriage partners, and does it have an impact on loans on other platforms?

This has no impact on the loan of family members such as parents and siblings! However, after getting married, it will have an impact on the marriage partner's mortgage application.

It also has an impact on other lending platforms. But the impact was not that great.

Summary. Hello dear, happy to answer for you. What should I do if the application for agricultural e-loan on my mobile phone is not approved The agricultural e-loan you applied for was not approved because your personal credit report was overdue, or because of the poor credit ability of the personal credit report and did not pass the review.

Personal qualifications do not match the application conditions of the rural commercial bank's agricultural e-loan, if the applicant does not meet the qualifications, then the application for the rural commercial bank's agricultural e-loan will fail. There is a problem with personal credit investigation of the Rural Commercial Bank of Rural Commercial Bank for the applicant. Credit information for inquiries about pro.

What should I do if the application for agricultural e-goods in hand is not approved?

Hello, dear, I'm glad to ask for an answer for you. What should I do if the application for agricultural e-loan on my mobile phone is not approved The agricultural e-loan you applied for was not approved because your personal credit report was overdue, or because of the poor credit ability of the personal credit report and did not pass the review. Personal qualifications do not match the application conditions of the rural commercial bank's agricultural e-loan, if the applicant does not meet the qualifications, then the application for the rural commercial bank's agricultural e-loan will fail.

There is a problem with personal credit investigation of the Rural Commercial Bank of Rural Commercial Bank where to bury e e loan to the applicant. Levy Heng Yuanxin to inquire about it.

Apply for a loan at intervals. The reason for the continuous rejection of online loans is usually that the user does not meet the application conditions for the online loan, or the user's credit information is spent, so the company will apply for the online loan many times and be rejected. After the user's credit is restored and meets the conditions for online loan application, then apply for a loan, then there is a certain chance of passing the review.

Article 578 stipulates that if one of the parties expressly states or shows by its own conduct that it will not perform its contractual obligations, the other party may request it to bear the liability for breach of contract before the expiration of the performance period. Coincidentally, if the cardholder and the bank may not be able to resolve the issue through private negotiation, the cardholder can also mediate under the auspices of the court to reach a repayment agreement. If the court mediation also fails, the cardholder will actively repay the loan according to the content of the court judgment.

If the audit fails, how long will it take to be reviewed?

The approval time is generally 1-3 days.

Summary. E-loan refers to the mortgage business for qualified small and micro enterprises with the high-quality real estate mortgage approved by the Agricultural Bank of China as the main guarantee method. Relying on Internet technology, the quick loan - mortgage e-loan business realizes the application of small and micro credit business, the evaluation of collateral, and the intelligent approval of the system.

Customers can self-service loan application, self-service recycling, and repayment through electronic channels such as corporate online banking and personal palm banking.

E-loan refers to the mortgage business handled by qualified small and micro enterprises with the high-quality real estate mortgage approved by the Agricultural Bank of China as the main guarantee. Quick Loan-Mortgage e-Loan business is based on Internet technology to realize the application, collateral evaluation, and system intelligent approval of small and micro credit business. Customers can self-service loan application, self-service recycling, and repayment through electronic channels such as corporate online banking and personal palm banking.

Handling conditions Production and operation for 1 year or more, with a fixed business premises, not connected to shell companies and companies that have just been transferred for less than one year, need to come to verify the business situation of the enterprise; Open a settlement account in the Agricultural Bank of China, and the loan is the basic or general enterprise of the Agricultural Bank of China; (That is to say, this money cannot be put into an individual) No more than 3 credit lines are granted in other banks; The borrower has no record of non-performing loans. The borrower is between 18 and 65 years old (Hong Kong, Macao, Taiwan and foreigners are not allowed); The sum of the borrower's age and the validity period of the loan amount shall not be more than 70 years old; The mortgagor can be the following three categories: business owner (actual controller), business owner's spouse, immediate family within three generations Legal person, legal person main spouse, immediate family within three generations Spring teaser Shareholder, shareholder spouse, immediate family member within three generations Credit Requirements:

There is no current overdue, no more than 6 overdue within two years, no more than 30 days overdue within two years, and no more than 6 credit inquiries within half a year.

Recruiting Loan is a kind of cash installment service provided by China Merchants Bank for credit card holders, some friends want to handle the installment business but the application fails, I don't know what the reason is, so why is the application unsuccessful?

Bad credit: Applicants for e-loans must maintain a good card usage record and credit status to repay the loan on time.

Debt ratio is too high: If the credit card has been overdrawn and other loans have been applied for at the same time, the repayment ability is impaired, that is, you cannot apply for an e-loan.

The card does not support e-Loan: Cardholders who only hold a Student Card, Premium Platinum Card, Business Card, Business Card, Purchasing Card, ANA Card or Supplementary Card cannot apply for e-Loan.

The application amount is too low: The minimum installment amount for e-loan is 1,000 yuan, and it is recommended to increase it to an appropriate amount.

Limit on the number of applications: Generally, you can only apply for e-loans once a month, and if you have applied this month, you must wait at least next month to apply.

All in all, there are many reasons why the online application for a loan fails, and cardholders are advised to maintain good usage habits and apply again after a period of time.