There is no overdue but the application for an online loan is always rejected, what is the problem?

1. There are many reasons for the rejection of users' online loans, which may be due to too many online loan applications by users, or too many records queried by online lending institutions in the big data of online loans, which will lead to the rejection of online loans, not just one reason for overdue online loans.

It may be that you apply for too many online loans in a short period of time, causing your big data to be spent, in this case, even if you are not overdue, you will be rejected.

You can also open WeChat: Know the data early, get your online loan big data, which not only has your online loan details, but also the Internet black index score, and credit analysis, you can see if your big data is spent, or if there is any problem displayed, you can find out the reason for the rejection.

Caused by insufficient overall score.

The reasons for insufficient comprehensive scores vary from person to person and can be broadly divided into the following three broad categories:

1. The basic conditions do not match: no matter what kind of online loan product, there are certain application conditions, and they will restrict the borrower's age, mobile phone number usage time, sesame points, salary income, etc., if they do not meet the standards, they will naturally be turned away. Therefore, before we choose an online loan product, it is best to understand our own qualifications and the specific requirements of the online loan product in Vixen Dumas Data, so that we can know it in our hearts and not panic.

2. Falsification of personal information: In order to improve the success rate and amount of their loan application, some friends will deliberately exaggerate most of the facts, or even forge false information. Therefore, when you apply for an online loan, you must not have a fluke mentality, and you should fill in the truth according to your real situation.

3. There is a bad record: good personal credit is the passport to apply for online loan products, on the contrary, if the borrower's online loan credit is too expensive or too dark, it will naturally be frustrated.

You can learn about your current credit situation in WeChat "Raindance Quick Check", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records, so that when you encounter an economic crisis again, you will not have no way to find a way out, and you will hit a wall again and again.

If a customer is always rejected when applying for a loan, it is likely due to the following reasons:

1. The customer's credit is not good.

Because whether it is a bank, a lending institution, or a platform, they will review the customer's credit report or big data during the loan approval process to understand the customer's latest credit situation. Therefore, once the handling bank (lending institution, platform) finds that there is a recent bad record in the customer's credit report or big data, most of them will refuse to approve the loan because they are worried about the risk of overdue loans.

2. There is a situation of long lending.

If customers frequently apply for loans, it is easy to cause personal credit reports or big data to become "spent", too many loan records, and even multiple loans. If there are still many credit products in the name that have not been repaid, it will also appear that the personal debt ratio is too high. As a result, banks (lending institutions, platforms) are likely to be worried about the customer's unstable economic life and insufficient repayment ability when approving the loan, and it is easy to reject the customer's loan application.

If you are unclear about your debts and online loan data, you can get an online loan big data report from Xiaotian Quick Check and Mini Program, and there are data on online loan application records, overdue details, blacklists and other information.

I don't care about the following reasons.

First, there are too many online loans, and the loan company believes that the online loans are enough and exceed the individual's ability to repay, and in order to prevent and control the possible risk of not being able to repay, the loan company rejects your online loan application.

From the perspective of the credit report, the online loan company believes that enough consumer loans have been issued and the personal debt has exceeded the future cash flow, so it rejects the loan application.

The third is that there are too many records of credit report inquiry, and the credit is frequently and multi-party inquiry, and the loan company will determine that there is too much loan business under your name, and the multi-party inquiry proves that many loan companies are worried about whether they can repay the loan on time, so they simply do not take a holiday, and the provincial loan cannot be collected after the loan.

The application conditions for online loan products are generally that the user is at least 18 years old, has a stable job and income, has the ability to repay principal and interest, and has good personal credit. If one or more of the items are not satisfied, then no matter what online loan product you apply for, you will be rejected.

After the loan application is rejected, the user can consult the lending institution for the specific reason for the loan rejection

If the online loan is not overdue, is there any untrustworthy situation in other loans, credit cards and other economic transactions? The current credit report is not like some people say, there is a "blacklist", as long as you are "on" this blacklist, it will affect your loan. In fact, the People's Bank of China keeps track of your loans, credit cards, and other economic transactions.

When the bank receives your loan application, it will check this record, and if you have more non-payment records in your record, the bank will analyze it itself and lend you the risk! You can put yourself in their shoes, would you feel at ease if you were asked to lend money to someone who has such a track record?

Having a bad credit record, low capital flow, no fixed assets, and never having a loan are all reasons for the rejection of online loans.

It shows that your credit has been spent on big data, such as too many existing loans, too large loan amounts, etc., not that you can keep borrowing without being overdue, and too many loans will be rejected.

There are overdue, but they are always rejected, and if they are always rejected, don't borrow Heimang, ** is not a good thing.

1. There are too many queries. Under normal circumstances, the number of normal credit inquiries cannot exceed 3 times in 1 month, 5 times in 3 months, and 8 times in half a year, otherwise there are too many hard inquiries such as loan approval, credit card approval, guarantee qualification review, etc., which will give the online loan platform a feeling of being very short of money, so as to think that the user's loan is risky and refuse to approve the loan.

2. Insufficient repayment ability. There are two aspects to look at here, one is that the income is too low, and the other is that the debt is too high. For example, the credit card that has not been paid off on the credit report, the loan arrears are excessive, the monthly repayment amount exceeds 50% of the monthly income, and the daily life needs to be maintained, so there is definitely no extra money to repay the online loan on time and in full.

Therefore, lenders will certainly not easily agree to approve loans for such users.

How can I not pass the online loan if I have not overdue? All online loans are rejected for these reasons.

3. The overall score is too low. Each online lending platform has a special risk control system, which will conduct a comprehensive evaluation based on the application materials submitted by users, as well as historical borrowing and repayment records, performance status, etc. If the account is too active, or if you always choose to repay early, the user's overall score will be lowered, which will lead to loan rejection.

4. The total credit line is too high. The new regulations have already imposed restrictions on the amount of Internet loans, and the credit limit of personal credit loans for consumption by a single household shall not exceed 200,000 yuan. If the borrower's total credit line is high, it means that the borrowing risk is high, and the lending institution will not agree to approve the loan.

Online lending institutions will comprehensively review the user's credit qualifications, and if the credit qualifications are poor, they will not be able to pass the loan review. There is no overdue record in the credit report, which only indicates that the user's credit report is good, and does not mean that the user's credit qualification conditions are excellent.

In addition, different online loan application conditions and review standards are different, and users have passed the review of all online loans, so the reason is basically in the loan conditions.

1. Control the frequency of your application, and reduce the number of times you apply for credit cards or bank loans in the next 3-6 months;

2. Cancel some credit cards that are not commonly used, and spend more on the remaining credit cards, and cover the bad records with good credit records;

3. You can also settle some loans in advance to reduce your personal debt ratio and reduce the number of online loan applications.

Summary. Dear, hello, there is no overdue suddenly all online loans are rejected, this situation is caused by your online loan application too many times, your personal credit record query is too much, because every time you make an online loan, your personal credit will be queried, if you inquire more, your personal credit will change, at the same time, if you are applying for an online loan, your personal qualification credit will be reviewed, once you are reviewed to your credit inquiry too many times, the general agency will stop you from lending.

Dear, hello, there is no overdue suddenly all online loans are rejected, this situation is caused by your online loan application too many times, your personal credit record query is too much, because every time you make an online loan, your personal credit will be queried, if you inquire more, your personal credit will change, at the same time, if you are applying for an online loan, your personal qualification credit will be reviewed, once the review is envied if you have too many credit inquiries, In general, the institution will stop the loan to cover the posture and talk to you.

As a matter of course, the inquiry of the letter record of the mu section should not be more than 5 times in 1 month, and it should not be burned and buried more than 10 times in 2 months, otherwise it may affect the approval of housing loans, car loans, credit cards, etc.

What about online loans, you need to see what platform it is? Its review mechanism is different, can you bring it along? This is difficult to say, generally speaking, as long as there is an ID card and mobile phone number is real-name authentication, now the lending of online platforms is very easy, but the repayment is a little annoying.

If there is any overdue, it is not clear to yourself, you can go to the People's Bank of China to make a credit report to see, and do not take out online loans, since you want to take out a loan if you are not overdue, you can go to the formal banking department to apply for a loan, and now many banks have various loans for entrepreneurial support.

You go to the relevant departments to check, it is estimated that the first open, generally speaking, do not take out online loans, online loans are very stressful on your life, spend less money, do not consume in advance, so the pressure on yourself is too great, not to mention the high interest rate of online loans, if you don't get it right, you will put yourself in.

That is, the credibility is not good

I don't know the specifics!

Now as long as the big banks in the urban area can check their credit information!

If the previous loan application is obviously not overdue, but the subsequent loan application is always rejected, it is likely that the borrower has not met the requirements in other aspects. After all, personal credit is not the only criterion for loan review, so even if the borrower has never been overdue and has good personal credit, it does not mean that the loan application will be approved.

When the loan is reviewed, it will not only examine the borrower's credit status, but also his age, employment, residence, assets, economic income, etc. The loan is reviewed by all parties to obtain the final evaluation result before deciding whether to approve the loan. If one of the areas is not met, the loan application may be rejected.

For example, if the borrower has too many credit cards and loans before, the debt ratio is too high, and the loan is likely to fail the review.

If the application is rejected, it is recommended that you do not rush to apply again immediately, but can first explore the reason for the rejection; Once you understand the reasons for the rejection, start to solve the problem; Once the problem is solved, it's not too late to apply for a loan. This will also have a higher chance of passing the loan.

Extended Material: Reasons for Rejection:

1.Applying for loans too often: In addition to overdue online loans, lending institutions are usually very taboo about applying for loans too frequently, and if users provide loan applications to multiple online lending institutions in a short period of time, the risk of overdue will be invisibly expanded dozens of times.

The online loan big data system will automatically judge you as a user with "high overdue risk", pull you into the online loan blacklist and reject your loan application.

2.Falsification of personal information: In the process of applying for online loans, some users will deliberately exaggerate their personal qualifications and forge some false information certificates in order to improve their loan application success rate or loan amount.

If the difference between the two exceeds the maximum standard value, the big data will judge you as a "potential user of fraudulent loans", and not only will the loan application be rejected, but you will also be included in the online loan blacklist.

3.The call quality is too poor: Many friends think that the review method of online loans is very simple, but in fact, its review system is very strict, and the main thing is the user's address book, operator and other information.

Once the system detects that there are a large number of loan companies, collection agencies, and online loan blacklist users in the mobile phone call records, or if the mobile phone contact is turned off too many times, and the call duration and phone bill status are abnormal, the system will judge it as a high-risk user.

Hello, there are too many online loan applications now. Now the application is rejected in seconds, and the individual has not been overdue, ** can be loaned???

Dear, the answer to this question is: there are too many online loan applications, and now the applications are rejected in seconds, this is because your loan amount is too high, and you are afraid that you will not have the ability to repay, so you will be rejected. You can now go to a bank, or financial institution, and apply for a mortgage.

Use a property or vehicle as collateral to apply for a mortgage, this kind of loan with collateral does not require so much loan amount, you can try to apply for it. In addition, it is not recommended that you apply again if the online loan is too high, otherwise there is a risk of overdue in the future, and it is recommended that you wait until the online loan is repaid and the amount is restored before applying. And dear, if you still have any questions that you don't understand, you can always ask me questions!