Why can t I borrow online now? Let s look for the reasons from these aspects

Nowadays, many people like to borrow money online, but many people have been rejected no matter which platform they borrow, so they feel very strange and want to know why they can't borrow online now? What I want to say here is that many online borrowing platforms are connected to the credit system.

If there are requirements for personal credit and repayment ability, the reasons can be found from these two aspects.

Why can't I borrow online now?

As mentioned earlier, if the online loan platform you apply for is on the credit report, then the personal credit report.

If you don't have the ability to repay, you can't borrow money.

For example, like many people, credit hacking is the most critical reason why you can't borrow money online. You must know that credit blackening is generally a serious overdue state, such as 3 consecutive overdue or 6 overdue times in two years, as well as bad debts.

Special transaction records such as substitution, repayment of debts, etc., as well as the current overdue arrears that have not been repaid. If you are applying for a loan from a licensed financial institution or bank online.

Because during the approval process, the borrower's credit will be checked, and the borrower will not be able to borrow money because the credit is not passed.

There is also a poor ability to repay and cannot borrow money. There are many loan platforms that will clearly require the borrower's monthly income to meet what standard, generally at least the after-tax income can not be less than 2000, and then will check the borrower's personal credit, compare the credit record on the credit report, calculate the proportion of unpaid credit cards and loans to personal income, generally if the personal debt ratio exceeds 50%, even if the income is relatively high, it may be considered that the repayment ability is not good.

The above is the relevant introduction of "why I can't borrow online now". In short, you can't borrow money online, or there is a big hidden danger if the credit is not good, and it is not easy to gain the trust of the borrowing platform. Either the ability to repay is not good, and there is a great risk of default.

It is recommended that after the loan fails, you should not apply frequently in the short term, first raise the credit information, and improve the repayment ability before borrowing.

Recently, many lending platforms have not been able to lend out for the following reasons.

The lending platform has reduced the amount of loan business, and some users with average credit qualifications cannot obtain loans.

If the loan amount of the borrowing platform is insufficient, the system will give priority to lending money to users with good credit qualifications.

The user does not meet the loan conditions of the borrowing platform, so he cannot pass the loan review of multiple lending platforms.

Loan applications are too frequent, resulting in personal credit being spent.

The above reasons will lead to users not being able to obtain loan funds from the lending platform, please continue to accumulate a good credit history, and ensure that you meet the application conditions of the loan platform, and then apply for an online loan, the probability of passing the loan review will increase.

Users who cannot pass the review of the lending platform can try to apply for small loans and private loans without credit investigation.

The borrowing platform is unable to borrow money, and it is not excluded that the borrowing platform itself is responsible, although some borrowing platforms are still operating normally, they basically do not lend, in this case, it is recommended that users apply for other loans that are normally disbursed.

For those who are not very clear about their online loan big data, they can view their online loan big data information through "Balloon Look". This database works with more than 2,000 online lending platforms, so the data queried is very accurate.

Extended information: Is it okay for the online loan platform to collect ** without answering?

If you don't, the platform may be considered to be maliciously avoiding debts, so the platform may adopt stricter collection methods, and in order to protect your rights and interests, you may even sue the lender.

In addition, if the online loan is overdue, you will bear the following consequences.

1. Leave a credit stain on the credit report.

2. It is not conducive to other loan applications.

3. Being pulled into the blacklist.

4. Affect the amount of online loans.

5. The loan function will be temporarily closed.

6. Penalty interest will be generated.

7. Malicious overdue will be prosecuted.

8. Affect personal career.

9. It will affect life after being enforced.

10. Unable to enjoy the normal preferential treatment of loans.

It can be seen that the impact after the overdue is still very large, after receiving the collection ** from the platform, there is no need to be too anxious, you can maintain good communication, and see if you can apply for a deferment of repayment or reduce some penalty interest, so that you may be able to reduce the impact of overdue.

No loan can borrow money, mainly because the borrower's credit is too poor, resulting in no loan will be granted, generally for the following reasons:

1. Nowadays, the formal loan platform will check the applicant's credit report when the loan is approved, if the applicant's letter report has serious bad records, such as overdue within 2 years, or there are special transaction records such as bad debts, bad debts, and debt repayment, no matter which loan platform as long as there is a credit check, such applicants will not be approved.

2. There is no bad record on the applicant's credit report, but there are too many outstanding loans and credit card debts, accounting for 50% of the total income, which means that the borrower has a large amount of debt.

3. In addition, the China Banking and Insurance Regulatory Commission has limited the total amount of Internet loans for each person to no more than 200,000 yuan, if you have borrowed a large number of loans before, the total amount of loans that have been used is relatively high, and the remaining loan amount is low, there is not enough amount to borrow.

Extended information: how to check personal credit.

As an individual's "economic identity card", it is necessary for citizens to have an understanding of personal credit reporting. Citizens can inquire about their personal credit reports through the following channels:

1.On-site inquiry. You can go to the branch of the People's Bank of China in your area to inquire. When making an inquiry, you need to bring your original valid ID card and 1 photocopy, and submit an application for inquiry after filling in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlet.

2.Internet inquiries. The Credit Information Center of the People's Bank of China has opened a service for checking one's credit report through the Internet, and the computer (winds10) browser Google (** provides 724-hour service.

Citizens follow the prompts to register as users, and they can inquire after passing the identity verification.

Personal credit reports should not be overly inquired.

1.After knowing how to check personal credit, many people may frequently check personal credit. It should be noted that frequent personal credit inquiries can also have a negative impact on applying for loans and bank credit cards.

2.Personal credit investigation is not as casual as deposit balance, because in the risk control system of some banks, the number of times credit information is retrieved by financial institutions may become one of the elements of loan review. If you make too many inquiries in a short period of time, the bank will think that you are in urgent need of money, and the people who urgently need it have a high potential risk of default, so they will be put on the list of undesirable customers.

When applying for a loan, it is likely to be rejected in seconds.

There are two reasons for this, the first is that you are not yet eighteen years old, so you can't borrow money. Second, there is a problem with your credit information, and it has entered the blacklist of various lending platforms.

It is estimated that because you have lost your integrity, various banks have blocked you, so you can't borrow money from any of your borrowing platforms.

This is because your credit is likely to be bad, and it is recommended that you go to the People's Bank of China to print a credit report!

Because everyone knows that your credit is not good, no one dares to take out a loan.

Applying for loans too often can become a risk of cyber hacking.

All the loans do not come out, it seems that there is a problem with your personal credit information, it may be an online loan or bank loan, and the credit card is overdue on the central bank credit report. You have become a credit investigation black account, and all borrowing platforms can't lend it, so you can explain it. Loan companies that have been included in the central bank's credit report will generally review your personal credit record before lending, and the credit report will not be up to the mark.

Don't think about loans. Even if you get a loan through a relationship, you can't afford the interest rate on the loan.

Extended information: 1. What should I do if I have applied for a lot of money lending software but have not passed?

If you have applied for a lot of loan software but are not approved, it is recommended that the customer postpone the application first, it may be that there are too many frequent loans in the near future, resulting in big data becoming "spent", and then frequent borrowing, the possibility of rejection is greater, and it is better for customers to keep at least three months not to apply for a new loan, and after the three months have passed, the situation of big data has been improved, and then try to borrow may be able to borrow smoothly.

2. What is the reason for the insufficient comprehensive score of the loan?

If you want to apply for a loan, you must have a good credit record, otherwise the bank will refuse the loan, and the bad credit report generally cannot be changed, and there is generally no remedial measure for this situation.

If the personal debt is relatively high, the bank will also refuse to lend, for example, before the loan, the bank finds that the lender still has a car loan, if the income is not very high, the bank will worry that the borrower will not be able to repay the loan, and finally refuse to lend to the borrower.

The bank statement does not meet the bank's requirements, and the monthly bank flow is generally 2 to 3 times the monthly repayment amount when the loan is made; If there is a shortage, you can submit other materials to supplement it, and finally meet the bank's requirements.

Some of the materials filled in by the borrower were found to be untrue, such as the mobile phone was not authenticated by the borrower's real name or the authentication time was less than 6 months, and the location of the mobile phone number was different from the location of the lending bank.

3. The validity period of the loan lawsuit is several years.

For private loans with regular repayment, the statute of limitations is 3 years from the date of expiration of the repayment period, and the right to request protection from the people's court is lost if it is overdue.

For private loans with regular repayment, if the debtor fails to perform the debt after the expiration of the agreed period and issues a note of arrears without a repayment date, the statute of limitations shall be deemed to have been interrupted, and the statute of limitations (3 years) shall be recalculated from the day after receiving the note of arrears.

Private loans with irregular repayment, that is, private loans without indicating the date of repayment, are not subject to the statute of limitations, but are subject to a maximum protection period of 20 years.

Then you can only do IOUs, how much money do you need?

There are three reasons for this:

1. Credit conditions of the borrower: First of all, the basic conditions must be met, that is, the age meets the requirements, and there is a stable job and income. The second is that the credit should be good, the credit investigation should not be spent, not black, there can be no overdue at present, and the debt ratio on the letter cannot exceed 50%, and it must be active, and the comprehensive score of these borrowers will be high.

2. Loan policy: The China Banking and Insurance Regulatory Commission has not relaxed its control over the Internet loan industry, and has successively issued various policies, such as the notice jointly issued by the five ministries and commissions, stipulating that microfinance companies are not allowed to issue Internet consumer loans to college students, and if the borrower is a student, it is likely that they will not lend money now.

3. Platform reasons: Many borrowing platforms are small platforms, which do not have enough strength to cope with the fierce industry competition, and are likely to go bankrupt, or transform the loan industry, and some will reduce the scale of lending, and only release part of the amount to loans every day, and only those who grab the quota will have the opportunity to borrow.

Summary. Hello dear, I'm happy to answer your questions There are about five reasons why you can't borrow money, which are credit problems, age that does not meet the requirements, insufficient repayment ability, high debt ratio, and loan information that does not match the actual situation. The above five reasons will cause users to be unable to borrow money, at this time, the pro should first solve the problem and then try to apply for a loan, as for whether the application can be successful, the display result on the page shall prevail.

Why can't I borrow money on any borrowing platform?

Hello dear, I'm happy to answer your questions There are about five reasons why you can't borrow money, which are credit problems, age that does not meet the requirements, insufficient repayment ability, high debt ratio, and loan information that does not match the actual situation. The above five reasons will cause users to be unable to borrow money, at this time, the pro should first solve the problem and then try to apply for a loan, as for whether the application can be successful, the display result on the page shall prevail.

Dear, which platform are you referring to?

Better. Some platforms are not so strict in their audits, such as Du Xiaoman and Zhaolian Financial, etc., and the audit pass rate is still quite high.

It may be because the platform loan funds are insufficient; It may also be that the user's credit is too low; The borrowing platform is in the process of upgrading and maintenance, and these reasons will lead to the failure of the user's borrowing.

If users are unable to borrow on multiple platforms, it is recommended to wait for a period of time before borrowing, and it is best to be careful not to borrow on multiple platforms at the same time, which is easy to cause credit sending.

Further information: Credit refers to the form of value movement that is conditional on repayment and interest payments. It usually includes credit activities such as bank deposits and loans, and only refers to bank loans in a narrow sense, and the same in a broad sense"Credit"General. Credit is a socialist country.

An important form of mobilizing and allocating funds in a remunerative manner is a powerful lever for economic development.

The occurrence of loan risks often begins at the loan review stage, and it can be seen from the disputes that occur in judicial practice that the risks that arise in the loan review stage mainly appear in the following links:

1. Omission of review content.

The bank's loan examiners have missed a million dollars, resulting in credit risk. Loan review is a meticulous work, which requires investigators to conduct a systematic investigation and investigation on the qualifications, qualifications, credit, and property status of the loan subject. In practice, some commercial institutions will cause a large amount of capital loss and bad debts due to this item.

2. No due diligence.

In practice, the relevant loan examiners often only pay attention to the identification of documents, but lack due diligence investigation, which makes it difficult to identify fraud in loans and cause credit risks.

3. Errors in judgment.

The Bank did not seek expert advice or professional judgment on the contents. In the process of loan review, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in terms of law and finance.

Behavior. Credit is the embodiment of a certain economic relationship.

The act of borrowing between different owners is a special form of value movement conditional on repayment, which is a credit activity in which the creditor lends money and the debtor repays it on time and pays a certain amount of interest. (Proceeds from the transfer of the right to use funds). There are broad and narrow types of credit.

Credit in a broad sense refers to the general term of credit activities with banks as intermediaries and deposits and loans as the main body, including deposits, loans and settlement businesses. Credit in the narrow sense usually refers to bank loans, that is, monetary funds with banks as the main body.

Issuance behavior. Basic conditions.

In practice, banks issue credit loans.

The basic conditions are:

1. Credit rating of corporate customers.

If it is at least AA- (inclusive) or above, the credit loan may be issued upon the approval of the provincial branch of the state-owned commercial bank;

2. Total operating income accounting profit.

Sustained growth in the past three years, asset-liability ratio.

Control within the range of 60% good values, cash flow.

Sufficient and stable;

3. The enterprise undertakes not to set up a mortgage (pledge) or provide a guarantee to others with its effective operating assets, or to obtain the consent of the lending bank before handling the mortgage (pledge) and providing a guarantee to the outside world;

4. The operation and management of the enterprise is standardized, and there is no bad credit record such as debt evasion and interest arrears.