Why do I say that I don t meet your bank s application requirements every time I apply for a quick l

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Hello, the application for the online quick loan is unsuccessful, which may be caused by not being within the application time range (7:00 to 22:00 every day), reaching the upper limit of the loan amount on the same day, or temporarily not meeting the application conditions of the online fast loan.

If this is not the case and the system prompts an error message, it is recommended that you go to the personal loan center of our branch for consultation or call for consultation to verify the reason.

The following are the application conditions for NetRapid Loan, and it is recommended that you judge whether you can apply for it based on your own situation.

1. Basic conditions for applying for a quick loan:

1.Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct.

2.Possess a valid legal ID.

3.Our e-banking.

Customer, and hold a security authentication tool issued by the Bank. (Currently, only the second-generation K-treasure is supported.)

Customers, the repayment of Zhangyin Online Quick Loan can support K Ling. ）

4.Good credit status, credit report.

does not have the following bad credit records:

1) There is no overdue loan or overdue credit card overdraft at the time of loan application;

2) There is no overdue record for more than 30 consecutive days in the last 24 months, and the cumulative number of overdue times does not exceed 4 times in Zhenshan;

3) There is no asset disposal, guarantor compensation or bad debts.

In the case, there is no record of tax arrears and enforcement.

Records of administrative penalties that have been recorded or not revoked;

4) Five-level classification of loans guaranteed by borrowers.

There is no such thing as a state other than "normal".

5.There is no unexpired loan amount and no outstanding balance of the loan.

6.Stable income and ability to repay credit on time.

7.The purpose of the loan is reasonable and clear.

2. Special conditions for applying for online quick loans: In addition to the basic conditions, applicants should also meet the following conditions for different types of customers:

1.Mortgage customers: The relevant personal housing loan has been repaid for more than 24 months (inclusive); The related properties are not in the areas where the trend of housing prices, oversupply exceeds demand, or the non-performing rate of personal housing loans of our bank is high; If the associated property is a villa or other large apartment, the borrower should be a private owner other than a private owner.

2.Provident Fund Customers: In the borrower's credit report, the borrower has more than 2 years (inclusive) of provident fund contribution information, and the latest update date is less than 6 months; In the borrower's credit report, there is no balance of personal operating loans in our bank or other banks.

3.Social security customers: In the credit report of the borrower, the borrower has social insurance for more than 2 years (inclusive).

Deposit information and last updated within 6 months; In the borrower's credit report, there is no balance of personal operating loans in our bank or other banks.

4.Payroll customers: The borrower has paid wages for more than 1 year (inclusive) in our bank; Payroll customers must meet the access conditions of the "payroll loan" unit; In the borrower's credit report, there is no balance of personal operating loans in our bank or other banks.

5.Debit card.

Client: Debit card transaction record for more than 2 years (inclusive); The annual transaction flow, transaction frequency and other conditions meet the regulations; In the borrower's credit report, there is no balance of personal operating loans in our bank or other banks.

If the ABC Online Rapid Loan does not meet the conditions, it is most likely that the customer's credit does not meet the requirements of the Agricultural Bank of China, so the application for the Online Rapid Loan fails. The basic conditions that need to be met to apply for ABC online quick loan are mainly as follows:

1.Be at least 20 years old and not more than 60 years old, and have full capacity for civil conduct.

2.Be an e-banking customer of the Bank and hold a security authentication tool issued by the Bank (supporting the second-generation K-Treasure and K-Ling customers).

3.Have a stable income and the ability to repay the principal and interest of the loan on time.

4.The personal credit is good, and there is no bad record in the credit report.

5.There is no outstanding loan amount or outstanding loan balance.

Extended Materials: In addition to meeting the basic conditions, the following conditions should be met for different types of customers:

1.Mortgage customers: The relevant personal housing loan has been repaid for more than 24 months (inclusive);

2.Social Security Provident Fund customers have social security provident fund contribution information for more than 2 years (inclusive), and the latest update date is less than 6 months; And there is no balance of personal business loans.

3.The term of payroll payment by the Bank is more than 1 year (inclusive); There is also no balance of personal business loans.

4.Debit card transactions of debit card customers have been recorded for more than 2 years (inclusive); There is also no balance of personal business loans.

Netfast Loan refers to a small-amount consumer loan issued by ABC to individual customers of ABC who meet certain conditions in the form of credit, and is self-applied, automatically approved, and self-used by the customer. It is a "pure online, fully self-service" credit product.

Loan target: Agricultural Bank of China's personal housing loan customers, housing provident fund customers who pay on time, and social insurance customers who pay social insurance on time.

The maximum loan amount is 300,000 yuan, the loan term is 1 year, and the interest rate is 15% higher than the benchmark interest rate of the one-year loan, and the interest rate is 15% higher than the one-year loan benchmark interest rate, and the interest rate is 15% to 50% for non-housing loan customers according to customer qualifications and other factors.

Application conditions for ABC online quick loan:

1.I have applied for a personal loan at the Agricultural Bank of China.

2.The contracted debit card is the account designated in the personal loan contract and is in working order.

3.All loans associated with the contracted debit card have no overdue loan principal and interest.

4.Other conditions stipulated by the Agricultural Bank of China.

As long as the application conditions are met, you can apply, fill in the information and wait for the review before you can lend, the general review time is about 10 minutes, and the results can be seen in 10 minutes after the application.

I believe we all know that there are many lending products under the bank, and the online quick loan is launched by the Agricultural Bank of China, which is more suitable for office workers who need money urgently, but some people will encounter the situation that the application for the online quick loan of the Agricultural Bank of China is rejected, why is this? Let me take you through some of the reasons.

The maximum credit line of ABC Online Quick Loan is 300,000 yuan. The amount of credit line of the specific borrower can be determined by the evaluation of the system. Generally speaking, the credit line of friends who apply for ABC online quick loans for the first time is between 1-100,000 yuan, and there are not many people who can exceed 100,000 yuan.

If your application is denied, it may be due to one of the following reasons:

1. The application amount is too high. We all know that the maximum amount of online quick loan is 300,000 yuan, the first time you apply, you will be given a certain amount according to your personal qualifications and credit, it is recommended that the amount of access is not too much, you can gradually accumulate some credit and then increase the limit. If you have limited personal repayment ability, it is recommended not to apply for an excessively high amount.

2. Incomplete personal information. For credit loans, the bank will judge whether you have high credit according to some of the information you reserve and the credit report, so try to let the ABC online quick loan have more information, and people with ABC credit cards, provident funds, housing loans, investment and finance, and large deposits are easier to apply for, and they will also get a higher loan amount.

3. There is a problem with credit reporting. It should be noted that if you have a problem with your personal credit, it is basically impossible to get a loan from ABC Netjet Loan. In addition, although there are many people who do not have overdue records, but the credit report is completely white, and they have not used the business of the Agricultural Bank of China, so there is no reference comparison, and the bank is easy to be rejected by your application.