Why can t I get an online loan if it s never overdue? All of these reasons are possible

Nowadays, many formal online loans are more strict in reviewing the qualifications of borrowers.

Go to check the credit, and some friends have never overdue online loans just can't get down, and when they see that other people have overdue loans, they are puzzled. Today, let's take a look at what's going on.

Why can't I get an online loan if it's never overdue?

1. Too many inquiries: 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 be given to the online loan platform.

There is a feeling of being very short of money, thinking that the loan is risky and will not be approved.

2. Insufficient repayment ability: There are two aspects, one is that the income is too low, and the other is that the debt is too high, such as the outstanding credit card on the credit report, too much loan arrears, the monthly repayment amount exceeds 50% of the monthly income, and the borrower has to maintain daily life, so there is no extra money to repay the online loan, and it will definitely not be easy to approve the loan.

3. The overall score is too low: Each online lending platform has a set of risk controls.

The system will conduct a comprehensive evaluation based on the application materials submitted by the user, the historical borrowing and repayment records, the performance situation, etc., if the account activity is too low, the latter is always repaid in advance after borrowing money before.

The score of each item has been reduced, and the total score will definitely be insufficient.

4. The total credit is too high: The new regulations have imposed restrictions on the amount of Internet loans, and personal credit loans for consumption by a single household.

The credit line does not exceed RMB 200,000, and if the borrower's total credit line is already very high, it means that the loan risk is high, and the loan will not be approved.

In short, if you never overdue an online loan, you can find out the reasons from the above aspects, and then improve it according to the situation. Finally, we should remind that online lending is risky, and borrowing should be cautious.

There are two situations in which online loans cannot be borrowed, one is the banking system.

If you don't repay the loan on time, you can communicate with the bank by sending a manual **, or you can call ** to the People's Bank of China to consult the arrival time Yunchun, and directly ask the bank if it can be extended.

The People's Bank of China politely tells you that you can only extend 2

0 days. During this 20-day period, the bank will confiscate the money back, and there will be collection** or even ** your person's information.

Don't worry about these 20 days, you go to a simple place with interest to repair a card, pay it back with running water, and prepare a bank.

A card and an Alipay are all you need.

Just get a card and repair a card, you don't need to open all kinds.

Alipay's borrowing can be.

Then go to the People's Bank of China client to communicate, based on the time you repair the card, if it is not possible, you can lend through the loan platform.

The money is returned to the bank.

If the bank gives you the money on time, you will change to an online loan.

There are two more scenarios.

One is that after repaying the online loan platform, the online loan will be repaid to someone else a few days later, and that is also what you should repay.

Finish. This is also easy to solve.

Online loans, you can't repay them, and you can't repay the loan platform to anyone.

The bank is not a big premise that you can't repay.

As long as it is not P2P, all the online loan banks that cannot be repaid have channels.

Road. The bank thinks that you are a loan user, so all the impact of the online loan can choose not to repay.

If you want to alleviate the financial pressure through online loans, it is recommended that you choose other loans, and if you want to make money through online loans, it is recommended that you take the initiative.

Ask the bank for this kind of loan.

Don't take out a loan and go to the online loan.

When the money is gone, I still go to the online loan.

You still think that the bank will bear the income from the loan, and it is you who apply for an online loan loan to the online loan platform and let the platform follow you.

Unlucky. The online loan and unbridled loan platforms will make you money, and if you go to the online loan, they will make money. I am a practicing lawyer, and I am good at seeing the conditions and legal issues of money and conspiracy theories.

Summary. Dear, even if it is not overdue, the following situations will lead to the failure of the loan. 1.

Too many queries. Under normal circumstances, the number of normal credit inquiries cannot exceed 3 times in the past 2 months, 5 times in the past 3 months, 8 times in the past six months, and 10 times in the past 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 short of money, so that it is considered risky, and naturally there is no way to apply.

Even if there is no Qingxiang overdue, the following situations will lead to the failure of the loan. 1.Too many queries.

Under normal circumstances, the number of normal credit inquiries cannot exceed 3 times in the past 2 months, 5 times in the past 3 months, 8 times in the past six months, and 10 times in the past 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 short of money, so that it is considered risky, and naturally there is no way to apply.

How long does it take to make a bank loan when the online loan is fully cancelled.

2.The debt ratio is too large. Regardless of whether it is overdue or not, those loans that have not yet been repaid are still aware of the monthly payment. The more you borrow, the greater the pressure on the monthly payment, and when the platform thinks that you can't afford the loan anymore, it will naturally fail.

There is no time regulation for this, if you have a stable income, and you have assets in your name, and you also have savings, you can take out a loan after about a month after the online loan is paid off, and you can even borrow money immediately after it is cleared.

If your income is not particularly high and you have no assets, you will have to maintain a credit report for at least three months after paying it off.

How to transfer loans quickly due to the slow amount of foreign debt.

The best thing is to choose finance and sell institutions carefully to make mortgages, relending is actually a process of lending to support loans, and the interest rate of mortgage loans is low, which can reduce some interest losses. Moreover, bank loans are almost all earmarked funds, and if they are used to repay other loans, once it is found that the bank may recover the loan in advance, the gains outweigh the losses.

If there is no asset Li Fengpi, it is recommended that the stool should be returned slowly, otherwise it will be difficult for even financial institutions to pass the approval, and the interest rate of those platforms that are easy to pass is very high, and the gains outweigh the losses when the time comes.

First, if the loan is overdue, the lender faces various collections. Banks or financial institutions have their own collection systems, and after the lender is overdue, the primary collection will send you a text message and call ** to collect. If you don't pay it back for a long time, the degree is more serious, and there will even be face-to-face collection by the collector, and the overdue person should be prepared, or should find a way to pay off the money as soon as possible, so as to solve it.

Second, the most direct consequence of not repaying the credit loan is high penalty interest, and you may also need to pay a certain amount of liquidated damages. Even the principal and interest add up to a lot of expenses, and the result of not repaying the loan on time is to increase the financial pressure even more.

Third, failure to repay within the time limit will affect the credit of individuals. If a lender borrows money from the bank and fails to repay it on time, his personal credit report will leave a bad credit record. If you want to apply for a credit card or loan in the future, it will be difficult and will be rejected most of them, which will cause a lot of trouble to your production and life.

You can find out your current credit situation in the "Xiaotian Quick Check" and find this WeChat applet. Get rid of bad loan application habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again, they will not have no way out and hit a wall again and again.

Fourth, if the lender fails to repay the loan for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces the judgment, the lender's assets may be seized. This is a "repayment award" that the lender must enforce, otherwise, the court will seize the property and other assets in your name according to the law, and use the auction proceeds to repay the arrears.

The online loan is overdue, the penalty interest and the liquidated damages interest have been rising, what should I do if I can't afford it?

There will be no consequences for the loan money:

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;

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;

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

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

Basically, there will be no impact, and you can repay the loan on time in the future.

Legal Analysis: How to deal with the money owed to the online loan and can't pay it back:

1. First of all, we must let the other party know that we will pay back the money, and the voucher must be kept complete, no matter what the relationship between the other party and us, we should write an IOU, if the amount is large, the two parties will sign a loan contract, agree on the repayment period of the loan amount, interest calculation and default consequences. to give the other person a sense of trust and show that they are not not paying back.

2. If the repayment deadline has come and you have no money to repay, this is to negotiate with the borrower to see if you can delay for a while, and give the guarantee on the note or the text message can be, and if you have money at the interval, you must pay it back to the other party.

3. Negotiate with the other party, if the amount is large and we cannot pay it off at one time, we have to communicate with the other party, both parties should value harmony, and can pay off the debts owed through some installment repayment methods, so as to avoid the other party suing themselves in the court, so as not to cause some unnecessary troubles in life.

Legal basis: "Criminal Law of the People's Republic of China" Article 266: The crime of fraud refers to the use of fabricated facts or methods to conceal the truth for the purpose of illegal possession to defraud a relatively large amount of public or private property. The object of the crime of fraud is not to defraud other illegal benefits.

Loans from financial institutions should also be excluded.