There is no overdue, why all the borrowing platforms do not pass

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.

At present, it is relatively easy to pass the user's loan application for borrowing, 360 IOU, Qianhua, Anyihua, Banyan Loan, Micro Loan, Jingdong Gold Bar, Gome Easy Card, Installment Le, Paipai Loan, Repayment, 58 Good Loan Foreign Money Bank, Enough Flower and Good Loan. However, whether the loan platform ultimately passes the user's loan needs depends on the user's current personal qualifications, the higher the personal qualifications (the higher the education, the more stable the job and income, the better the credit record, and the less debt), the easier it is for the loan platform to pass the user's loan application, and vice versa.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

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 all of a sudden all online loans are not granted, it may be because: 1There is a problem with the customer's latest credit: You must know that the customer needs to have good personal credit to apply for an online loan.

If the customer's personal credit is not good, it will naturally be difficult to borrow. Therefore, customers must pay attention to maintaining good personal credit, such as if there are outstanding loans or credit card bills in their name, they must remember to repay on time. In order to avoid being recorded in big data or credit information because of overdue behavior, resulting in going to apply for online loans later, being reviewed by the platform to have overdue records in big data or credit information, and then refusing to approve the loan.

2.Customers have multiple loans and high debts: Customers may have applied for many loans, and have applied for loans in various lending institutions and platforms, and a large part of them have not yet been repaid, resulting in personal debt ratio.

Higher. In this case, it is naturally difficult for the platform to approve the loan if you go to the online loan. After all, the platform will review the situation that the customer has multiple loans and excessive debts, and it will naturally worry that the customer may not have enough repayment ability and the risk of overdue may be relatively large, so most of them will refuse to approve the loan.

In this regard, it is best for customers to pay off part of the loan under their name first, and then apply for an online loan after reducing their personal debt ratio.

3.Customers have recently borrowed frequently:

It is possible that the customer has recently applied for too many loans in a short period of time, resulting in too many loan records left in the big data, making the big data very "spent", then if you immediately apply for an online loan, the platform will naturally suspect that the customer's economic life is unstable, and it is very likely to refuse to approve the loan.

It is better for customers to postpone their application for a period of time. The improvement of the credit loan credit system, at present, the formal lending institutions on the market have to realize the review of personal credit in the process of looking at the library, and the credit is not good, then it is an important reference for each lending institution, and the borrowing qualification indicators are also different.

Some focus on real estate, some focus on car property, some focus on work, and some focus on debt, which is related to the type of loan issued by the loan platform. Generally speaking, it is difficult to re-borrow for behaviors such as malicious overdue and non-repayment of arrears.

Too many registered platforms, too much debt: For micro-loan platforms, in addition to reviewing your credit information, your debt situation is also an important reference indicator, for those who have too much debt and are overdue, then the loan will almost be rejected. Alipay's Sesame Credit Score.

Too low: Many middle-aged people's Alipay is registered for borrowing, and there is no ** use experience, many personal information cannot be authenticated, and the sesame credit score is maintained at about 550 points. Many lending platforms will verify the borrower's third-party credit information, such as Sesame Credit Score.

With 550 points, it is very possible to refuse the borrower's quota directly, and it is very possible that you will not be able to borrow money. Other reasons why there are so many lending platforms that still can't borrow money: Each lending platform has its own characteristics and regulations, and it is quite normal for borrowers to be rejected if they do not meet the requirements in some aspects.

Even if it is not overdue, it will become an online loan blacklist because of too many short-term online loan applications.

The most important point to reflect whether a person is on the online loan blacklist is the online black index score.

The score standard of the Internet black index is 0-100 points, the higher the score, the better the credit, and when the score is lower than 40 points, it is the online loan blacklist.

A low score on the Internet Black Index will not only affect the application for online loans, but also affect the amount of Huabei and Borrowing, and in serious cases, it will even lead to the closure of Huabei and Borrowing.

Therefore, when applying for an online loan, you must check your online black index score in time to prevent a low online black index score due to blind application for an online loan.

You only need to open WeChat and search: 79 data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as 79 data, sesame credit score, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

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. However, online loans generally do not check bank statements and do not have that authority, so the income is only used as a reference, combined with other information for comprehensive judgment.

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. No matter what the problem is, it will lead to the failure of the online loan.

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. In short, as long as there is no overdue, there is the possibility of a loan, which can be started from other aspects, such as increasing mortgage guarantee or providing guarantors.

If you're not a student, or your debt is too high, far beyond your income, so you feel like you can't afford to repay and reject you.

Hello dear, in this case, you can log in to the national credit information platform to check your credit situation, whether others use your ID card to generate bad loans.

Although it is not overdue, the borrowing platform also has to review it according to your work salary and other relevant qualifications, and only if you meet the requirements of the borrowing platform.

This may mean that you have a bad record on the platform, so you have a problem with your credit investigation, so you can't borrow money on any lending platform. So you should go to the bank to inquire if there is a problem with your credit information. Is this the only way to solve the problem?

I haven't been overdue, why are many online loans not approved? Now, let's talk about the reasons in detail! 1. The borrower is a pure white account The so-called pure white account is a person who rarely deals with the bank, and never takes out loans except for normal deposit withdrawals.

2. 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.

Maybe you've been blacklisted, maybe because you always have a record of overdue repayments

On December 8, 2021, the user had no overdue record, but the application for online loans was rejected, mainly because the user's comprehensive credit qualification conditions were poor. Online lenders will be integrated.

The debt ratio will affect the approval of the loan, it is recommended to meet the loan conditions before applying, and you can repay the arrears first Conditions for loan business: 1. Natural persons aged 18 to 65; 2. The actual age of the borrower plus the loan application period should not be exceeded.

You can consult the relevant local authorities for this problem, which can help you understand and solve this problem more comprehensively. And it's different in every region. Have a great day.

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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.

If the user fails to pass the loan approval on multiple loan platforms, then it means that the user does not meet the basic review conditions for the loan, which generally includes the following points:

1. The borrower must be at least 18 years old.

Our minimum age requirement for loan closure is 18 years old, so if the user is less than 18 years old, no matter how the loan application is on any platform, the review will fail, and no platform will issue loans for users.

2. Poor personal credit.

In order to successfully apply for a loan, then you need to have a good credit situation, and if the user's credit report has a serious overdue repayment record, then it is almost impossible to apply for a loan.

3. Users do not have a stable income.

When we make a loan, the loan platform will review the user's repayment ability, if the user does not have a stable income, then there will be no stable repayment ability in the later stage, such users are high-risk users for the loan platform, so the probability of applying for a loan is very small.