And then there is no loan, no matter how the loan is not available

It is recommended to choose formal banking channels to apply for loans, and here we recommend the online quick loan launched by the Agricultural Bank of China.

Netfast Loan refers to a small consumer loan issued by ABC in cash to individual customers of ABC who meet certain conditions, and is self-applied for, quickly received, automatically approved, and self-service.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

If you need to apply for other loans, please refer to the loan page on the official website of our bank for details.

Summary. It may be the borrower's own reason: in addition to the fact that banks pay more attention to the personal qualifications of borrowers, online lending platforms are also extremely important.

Therefore, if the borrower is currently overdue and has been recorded in the personal credit report, the online loan platform applied for will not give the amount if it is on the credit report. Therefore, the borrower can check the personal credit before borrowing. In addition, if the borrower's repayment ability is insufficient, he will also encounter a situation where the online loan platform does not give the quota, and he will not be able to get a loan.

Dear, you want to take out a loan from **.

I borrowed an online loan before. But it's almost there.

Once you pay it off, you can't lend it out.

Weibo, Xiaomi, Meituan.

Different lending platforms have their own risk control evaluation mechanisms, which will comprehensively evaluate the credit conditions of borrowers.

There are mainly the following reasons why the loan cannot be borrowed.

1. Insufficient borrowing amount: If the borrowing amount is insufficient, it will definitely not be able to borrow, such as the minimum borrowing amount of 500, but only the amount of 400; There is also a single loan amount that does not meet the requirements, such as a single loan of up to 40,000 yuan, and it is not possible to apply for a loan of 50,000 yuan at once.

2. The account status is not good: If the account status is abnormal, such as being frozen by the lending institution because it is overdue or not using the funds for the specified purpose, even if there is more borrowable amount in the account, it will not be able to lend. This requires finding a way to recover the loan, the most basic way to do this is to pay off the arrears and then deal with them according to different circumstances.

It just shows that there is no quota.

Paid off. It may be the borrower's own reason: in addition to the fact that banks pay more attention to the personal qualifications of borrowers, online lending platforms are also extremely important.

Therefore, if the borrower is currently overdue and has been recorded in the personal credit report, the online loan platform applied for will not give the amount if it is on the credit report. Therefore, the borrower can check the personal credit before borrowing. In addition, the borrower's insufficient repayment ability will also encounter the situation that the online loan platform does not give the quota

How can I get a loan quickly? What procedures are required:

Have a permanent urban residence or valid residence status;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

have a contract or agreement for the purchase of housing;

Able to pay a down payment of not less than 50% of the full purchase price of the defence appraisal;

Agree to use the purchased house as collateral, or provide assets approved by the lending bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient solvency as a guarantor to repay the principal and interest of the loan and bear joint and several liability;

Other conditions stipulated by the lender.

If you don't have anything, it's not easy to get a loan, because nowadays you have to have collateral or your credit is good enough.

As long as there is no problem with personal credit, it should be possible to get a loan, but the amount of money that can be borrowed may not be high. You can use a credit card or something, and it will be better.

If you don't have anything and you don't have any fixed assets in your name, then it's very difficult for you to get a loan. Because before the bank gives you a loan, it must check your personal credit and your personal assets.

In fact, under normal circumstances, we go to the bank for a loan based on our own income, and it depends on whether you have a real estate and car loan in your name, which requires personal credit information.

If there is nothing, then you can't get a loan, and now the loan review information is very strict, whether it is a mortgage or a line of credit.

The first is to keep all the evidence, otherwise you won't be able to come back, and second, don't waste time, the longer the time, the less likely it is to come back.

Third, it can be recovered in a short period of time.

It's better not to take out a loan.

Often, there is nothing and it will be difficult to get a loan.

1. The quota cannot be used for recycling. Some loans are one-time credit, and you can borrow multiple times within the limit, but the limit will not be restored after repayment. To avoid this, it's a good idea to ask if you can take out a revolving loan when applying.

2. Qualifications change. Many loans can be revolving, but each application needs to re-evaluate the lender's credit conditions, if you borrow after repayment, the qualifications have changed significantly compared with before, such as adding a lot of debts, or there is overdue resulting in bad credit, etc., can not meet the current loan conditions, and you can not lend out again.

3. Early repayment. After many people borrow a loan, they will repay the loan in advance when they have money in hand, and then borrow again when they lack money, and it is possible that they will not be able to borrow it. First of all, although early repayment will not cause overdue, it is also a breach of contract, which can be said to disrupt the financing plan of the lending institution, and the interest charged is expected to be reduced, and the lending institution will feel that it will not earn your interest, so it will not let you borrow directly.

4. I didn't grab the quota. Many lending institutions have reduced the scale of lending, and only release a part of the loan amount every day for people to grab, and only when they grab the amount can they borrow money, and if they don't grab the amount, they can't borrow.

1. Personal credit.

Financial institutions value a person's creditworthiness the most, and if you are found to have provided false information, your loan will be rejected as soon as possible. At the same time, we will investigate whether you have applied for a credit card or loan, and generally customers who have a credit card or applied for a loan are more likely to pass, because it means that the pure materials of your previous application for a credit card or loan have been approved by banks or other financial institutions.

2. Asset status.

3. Ability to repay.

After the asset assessment, the financial institution will review your ability to repay the loan, and will look at the employer, the nature of the employer, your position, your after-tax income, daily expenses, current debts, and dependent minor children, all of which will affect the final approval of the borrower's loan.

Work unit: Judge the stability and sustainability of income according to the nature of the work unit.

Unit position: Judge the stability of income and future growth according to the position.

After-tax income: The solvency of the loan is judged by the income, and the minimum income cannot be less than twice the monthly principal and interest.

Credit investigation problem: If it is a credit investigation and the number of credit inquiries is exceeded, no bank or large platform can get credit. It is not possible to have overdue in the past 3 months or to have a current overdue.

If it is a house payment, as long as there is no current overdue, or the number of overdue times is not too much, it is not too much of a problem.

Assets and liabilities: If the liabilities are far greater than the assets you sell, then you will definitely not be able to lend, if the liabilities and assets are offset, you can generally borrow, but the interest rate is definitely higher than that of Qizhu, mainly to examine your income** and flow, as well as the ability to repay.

There are many loan products on the market, and you should choose the one that meets your situation, and the best way to get a loan is to prescribe the right medicine.