Why was the loan application rejected? How long does it take to renew the loan after the money has a

Now there is big data in online lending, and once it is overdue, borrowing will also be affected in the future. For specific renewal matters, please consult the lending platform.

It is advisable to repay the arrears as soon as possible, resulting in severe overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

3. The People's Bank of China's credit investigation is stained.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement;

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law;

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Gu Dan is gone, and the more he is stylized.

If you have a CMB savings card, you can log in to CMB mobile banking and click "Home All Loans I want to borrow money for a good loan" to try to apply for a small loan.

Loan amount: The minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved;

Repayment Method: Equal principal and interest repayment;

Loan term: Support monthly installments;

I'm interest-sharing, that's how much.

Generally, do not apply when it rains, and the record of applying for around 9 o'clock in the morning is large.

I apply during business hours, and the application at 5 o'clock is until the next day.

Answerer: Rongqi.com.

The loan must meet its conditions before it can be loaned.

Loan Application Criteria:

1. To have a fixed income, you need to see the salary details;

2. Be at least 18 65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan Application Materials:

1. Lender's ID card;

2. The lender's credit information in the past six months, and the credit information is good;

3. The bank card flow in the name of the lender for nearly half a year has not been interrupted;

4. Proof of the borrower's residence permit (rental contract, real estate certificate, water, electricity, and gas invoices for the past three months);

5. Income certificate issued by the lender's employer;

6. Social security, insurance policy, and provident fund monthly payment can also be loaned.

If you want to borrow a higher amount, you can take out a mortgage, such as a house, car, etc.

It is recommended to apply for a loan through bank channels, China Merchants Bank has a flash loan business, and currently you can only apply through mobile banking, or check whether you are eligible to apply.

If you have a CMB savings card, you can log in to Mobile Banking and go to the application page under "My All My Loans My Flash Loan".

The maximum loan amount is 300,000 yuan, and the minimum loan amount is 1,000 yuan; Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

Security I'm just that address that I can't fill in all the time.