has not been overdue, why are many online loans not approved?

The failure of bank loan approval is generally caused by the following reasons:

1. Personal credit is not good. Personal credit is the primary criterion for bank loans. In particular, bank credit loans have higher requirements for the borrower's credit information, and the borrower's credit report is slightly flawed, which can easily lead to the failure of bank loan approval.

In addition to the requirements for the borrower, bank mortgages also have certain requirements for collateral.

2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risk. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability.

A large part of the reason why the bank loan application is not approved is that the borrower's personal income level cannot meet the repayment amount, or the borrower currently has several loans in his hand that have not been repaid, and the credit status cannot meet the repayment requirements, and the probability of approval of the application is very small.

3. The personal debt ratio is too high. Generally speaking, the reason for the failure of bank loans is not only the lack of a stable job, but also the high personal debt ratio of the borrower. How to judge the level of personal debt ratio?

Under normal circumstances, the bank's assessment standard for debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%, if it exceeds this range, the bank will refuse to lend.

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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. Online loans are risky, so you need to be cautious in your choice!

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.

1. Income is not good.

As the most important information for applying for loans, income is the key to ensuring the ability to repay, so online loans will judge whether to give the amount according to the borrower's income.

2. Poor credit.

Some users always think that credit has nothing to do with it, and the occasional one or two overdue times have little impact, in fact, overdue can reflect two aspects of the problem, one is poor financial condition, and the capital turnover will not be overdue. The other is that the integrity is not good, there is no awareness of repayment on time, and the habit is overdue.

3. Liabilities. Even if it is not overdue, but the current debt ratio is too high, it will also lead to the failure of the online loan, because a person's income is limited, and if he is still burdened with debts in addition to normal expenses, then there is not much money available for repayment, so institutions are generally reluctant to give borrowers with high debt ratios too high a limit.

The online loan has not been overdue, but the loan cannot be borrowed, which may be due to other reasons. For example, the user's recent loan information has changed, but it has not been updated in time. Or there is a situation where there is a long loan, although it is not overdue, but the personal debt ratio is high.

In addition, the review standards of each online loan product are different, and the fact that you can borrow this one does not mean that you can borrow all online loans.

All in all, users should apply for online loans according to their repayment ability, otherwise there will be a risk of overdue.

1. Income is not up to standard: Income is the most important loan application material and the key to ensuring the ability to repay, so the online loan will determine whether the amount can be granted according to the borrower's income. However, online loans usually do not inquire about bank statements and do not have this authority, so the income is only a reference, combined with the rest of the information to determine comprehensively.

2. Excessive debt: Even if it is not overdue, but if the debt ratio is too high today, it will also cause the online loan to fail, because a person's income is limited, in addition to normal expenses, if you are still in debt, then there is not much money available for repayment, so institutions are usually reluctant to give borrowers with high debt ratios too high a limit;

3. The comprehensive score is too low: Each online loan platform has a set of risk control system, which will carry out a comprehensive evaluation based on the application materials submitted by the customer, through historical borrowing and repayment records, performance, etc., if the account activity is too low, the latter is always repaid in advance after borrowing money before, and the score of each item is reduced, and the total score will undoubtedly be insufficient.

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The rejection of online loans that have never been overdue may be due to credit information, high debt ratio, long loans, etc., which will lead to the rejection of each online loan application. Although applying for an online loan requires a good credit report, the information in the credit report is not only an overdue record, and the online lending institution can also inquire about other relevant information from the credit report.

Therefore, if there is no overdue record in the credit report, the application for an online loan will still be rejected, mainly because the user does not meet the application conditions for the online loan.

Extended Information: Online Loan Application Requirements:

1. Online loans will require applicants to be at least 18 years old and have full civil capacity, and many online loans are not allowed to be applied for by students.

2. Sesame Credit: Many online loans require the authorization of Sesame Credit, so online loans require the applicant's Sesame Credit to be good, but the standard requirements for Sesame Credit are different for different loan products. Generally, the applicant needs to reach about five or six hundred points.

3. Personal credit: Some online loans need to be checked for credit, and some do not, but in general, the applicant's personal credit is still required.

4. Other conditions: Online loans basically require mobile phone numbers and bank cards. Especially for mobile phone numbers, online loans will require applicants to have a mobile phone number that has been used for real-name authentication for more than 3 or 6 months.

If the repayment of the online loan is overdue, it will cause the following adverse consequences:

1.Penalty interest will be charged from the day of overdue until the customer pays off in full. The penalty interest rate of many loan platforms will rise compared with the borrowing interest rate, and if the customer has been in arrears, I am afraid that a lot of penalty interest will be generated, and the customer will have to repay more and more, and the repayment pressure will be increasing.

2.The loan platform will report the overdue situation to the big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have access to the central bank's credit information, and may also report the overdue situation to the central bank's credit information, leaving bad information in the customer's personal credit report, resulting in damage to the customer's personal credit.

3.The platform system may control the risk of the customer's loan account and freeze the limit, so that the customer can no longer borrow. At the same time, because the credit is damaged, customers will most likely be hindered from borrowing from other lending institutions, platforms or banks, after all, the other party will also check the customer's credit status when approving the loan, and once a problem is found, it will naturally refuse to approve the loan.

Summary. Hello, very happy for your question, even if the online loan is not overdue, but it does not mean that the online loan has been passed, there are usually the following reasons, the first reason is that you have too many online loans, the online loan company will reject your loan considering your ability to repay, the second reason is that you have no fixed job, no fixed income, the online loan bank is afraid that you will not be able to repay the loan in the future, so refuse, the third reason is that the amount of your online loan application is too high, usually the high amount of loan review will be more cautious, often fail.

I've never had any overdue. Why can't I get my online loan?

Hello, very happy for your question, even if the online loan is not overdue, but it does not mean that the online loan has been passed, there are usually the following reasons, the first reason is that you have too many online loans, the online loan company will reject your loan considering your ability to repay, the second reason is that you have no fixed job, no fixed income, the online loan bank is afraid that you will not be able to repay the loan in the future, so refuse, the third reason is that the amount of your online loan application is too high, usually the high amount of loan review will be more cautious, often fail.

Oh, got it.

If you can't get a loan this time, how can you change it next time to get a loan smoothly?

Hello, it is recommended that you do not apply for a loan for the time being, and wait for half a year to recover the credit before applying for a loan, and it will be easy to apply successfully.