I believe that many friends will choose to borrow money from the bank when they are in urgent need of funds, but some friends will be told that the loan has not been approved and they cannot apply for the loan. I believe many friends have encountered such a situation, and they don't know what to do after the loan is rejected. Let's analyze the reasons for the rejection of the loan and tell you what to do if the loan is rejected.

I believe that many friends will choose to borrow from the bank when they are in urgent need of funds, but some friends will be told that the loan has not been approved and they cannot apply for the loan. I believe many friends have encountered such a situation, and they don't know what to do after the loan is rejected. Let's analyze the reasons why the loan was rejected and tell you what to do if the loan was rejected.

1. Reasons for loan rejection

1. Bad credit record

Generally speaking, if the applicant has a credit card or has not paid it back within two years from the date of application, the record will be uploaded to the credit information center of the central bank, resulting in a bad credit record. Of course, the loan or not will also affect personal credit information.

In addition, too many inquiries about personal credit reports will also affect personal credit reporting. Specifically, personal credit report inquiry can be divided into personal inquiry, credit card approval, loan approval, guarantee qualification examination, objection inquiry and so on. In addition to my own inquiry, too many times of inquiry records in other ways will affect personal credit investigation.

Therefore, if the above conditions affect personal credit records, banks and lending institutions will think that the risk of lending will be greater. There is no doubt that the loan will be refused.

2. The debt ratio is too high

When banks examine the loan application materials of loan applicants, they will look at the debt ratio. Generally speaking, the bank will agree to the applicant's loan application only when the income of the applicant is more than twice the debt. Many friends will think, then I will go to other lending institutions to apply for loans. In fact, although other lending institutions may not require as high a debt ratio as banks, they will also require a reasonable debt ratio.

so why is this? Because if your debt ratio is too high, your repayment ability will actually decline. If banks and lending institutions give you loans, then banks will bear greater risks. Therefore, banks and lending institutions have reason to reject your loan application.

3. Incomplete application materials

Incomplete application materials are one of the reasons why most friends are refused loans. Because the authenticity and integrity of the information is the primary factor to determine whether you can get a loan. Don't take chances and think that you can provide false information. The bank will review the information provided by the loan applicant one by one. If it is found that you have passed false information, the bank will not hesitate to reject your application.

Of course, if the personal information filled in is incomplete and some necessary information is missing, banks and lending institutions will not pass your application.

second, what should I do if the loan is rejected?

first, you should ask yourself why your loan was refused, and then you can prescribe the right medicine.

1. Repair your credit record

If the loan is refused because of a bad credit record, you can repair your credit record. As we all know, credit card usage records and loan records are constantly updated. If you have a bad credit record before, as long as you keep a good credit record over time, the bad record will be replaced by a good one.

here, I also want to remind everyone that in our daily life, we must maintain a good credit. If there is a loan, we must remember to repay it in time and try our best not to appear.

2. Change the loan method

If the loan is rejected due to high debt ratio or low income, the applicant can change the loan method and replace the credit loan with mortgage loan and secured loan.

3. Complete the application materials

If the loan is rejected only because the application materials are incomplete, then the problem is still easy to solve. Just fill in the information, don't cheat, and apply for a loan again will naturally pass.

the above is the reason why the loan was rejected, and how to solve it. I hope this article can bring some help to those friends who are in a hurry to get a loan and the loan is rejected. The bank will never tell you eight reasons for refusing to lend you a loan

Every small partner who is short of money has tried a loan and spent a lot of time. A lot of information was prepared, however, the final loan was not approved! The bank hasn't told us why it rejected our loan application!

Serious overdue will become a hidden danger

Good credit is the premise of borrowing. According to different types of loans, the requirements for borrowers and spouses are different. Generally, mortgage loans will require credit rating above Grade 3, while credit loans will require credit rating above Grade 2; It is difficult for borrowers with serious overdue credit information to enter, but the overdue due to a small amount of arrears within 5 yuan will be handled by the general loan review officer as appropriate.

Overindebtedness or rejection

Asset-liability ratio is one of the important factors in loan review, and over 7% of it will be deemed as over-indebtedness, and the probability of loan rejection is very high.

Weak secured loans exceeded the limit

Many borrowers obtained weak secured loans from banks through business circles, trade associations, chambers of commerce and other channels, ranging from one loan to three or four loans; At present, banks have raised the threshold for customers' access, especially for credit loans, which generally require no other weak secured loans or no more than two loans.

Lack of information is risky

Some borrowers gave up the loan application because it was too much trouble, while others were rejected because they could not provide complete information, so be sure to find out the requirements of the information needed for the loan before lending, so as to save time and improve efficiency.

It's hard to get started without running water

Bank running water is regarded as an important reference for borrowers' repayment ability. At present, most banks have made specific requirements for the quarterly interest settlement amount of running water in their loan review requirements, and borrowers whose interest settlement is not up to standard are not allowed to enter.

false information or blacklisting

whoever provides false information in the process of loan for any reason or in any form, once the bank finds out, it will directly refuse, not only unable to apply for a loan, but also may be blacklisted.

It's difficult to approve loans involving forbidden industries

Industries with overcapacity such as steel trade, chemical industry, cement, etc., as well as restricted forbidden industries such as real estate, investment, entertainment, high pollution and high energy consumption, etc., it's difficult to approve loans involving these industries.

amount of influence of bad habits

In the course of investigation, it is found that borrowers are involved in bad habits such as pornography, gambling and drugs, and the credibility of "boasting" and "talking nonsense" is not high, which will also affect the approval of loans.

(The above answer was issued on July 7, 217, and the current relevant purchase policy should be based on the actual situation)

Sohu Focus provided you with comprehensive information on new houses, second-hand houses, renting houses and home improvement, but the loan was refused. Why didn't the bank tell you the reason?

If you are rejected, you should find your own reasons. Banks have no obligation to tell you what's wrong with your credit information. In fact, bank lending is just like lending money to others. You will pay attention to whether the borrower can repay you or not, so as to approve it.

when a bank checks the credit information, it will not only look at the part you printed for them, but there are many things that they have the ability to find out, but the lenders deliberately hide. These are the criteria for their refusal, because the first thing they want for a loan is the letter. If it has left a negative impression on the bank at this point, no one will approve the loan for you, because they don't want to find an old customer.

Everyone who is refused a loan will have problems, either overdue, without a car, a house or a wife, even without land or friends, or even with a disease. If such people are approved, they will almost give them flowers. If they don't know about the small loan, they may lend money, but they will definitely not let it go.

In the process of approval, banks have their own channels to get to know the lenders. It is not too much to treat the lenders as transparent, but they will not tell you that they know all your information, so they will just tell the lenders that your situation does not meet our lending standards and refuse.

To know why the bank refused the loan, it's very simple. Just ask a friend to borrow money, and if he doesn't lend it to you, you should be stubborn. You should know the reason why he refused you. Although this reason hurts your self-esteem, it is probably the reason why the bank refused the lender. Don't think that the bank knows nothing.