1. Credit cards and loans are overdue.
Banks have different tolerance for late payment. For example, when Ping An Bank applied for a loan, its credit report showed that it could not have "1" in the current month, "2" in the last six months, "3" in the last 1 year and "4" in the last two years. If you are not sure if you have a credit card or loans overdue recently, you can call the customer service phone of the bank or scan the sun code below through WeChat and Alipay to find the nearest credit inquiry outlet, and call before going to confirm whether it is working normally.
If it is really reflected in the credit report, then don't blindly apply to various banks. The probability of approval can be said to be almost zero. You can wait until the credit information is updated next month to avoid increasing the number of credit inquiries.
2. The number of recent credit inquiries has exceeded the limit.
Each bank requires a different inquiry time. Taking Ping An Bank as an example, it is required that the number of inquiries about credit card approval and loan approval in the past two months should not exceed "3" times.
If it is clear that the number of inquiries has exceeded, then wait for one or two months before applying. The specific waiting time will be determined according to the time of the credit inquiry record.
3. Credit card and loan liabilities are too high.
Because it is a credit loan, the bank will review the proportion of customers' income and liabilities, and the bank will have its own set of standards for determining income and liabilities. The standard for determining the monthly income of Ping An Bank is 8 times of the monthly mortgage payment and 5 times of the annual policy payment. The criteria for determining liabilities are: 65,438+00% of the amount used by credit cards, the monthly repayment amount determined by principal and interest repayment methods such as credit loans as liabilities, and 3.5% of the loan amount determined after interest repayment as liabilities. In general, the ratio of income to liabilities does not exceed 75%.
Therefore, if the credit card overdraft ratio is too high or the loan amount is too high, you can find a way to make a short-term turnover with your friends, restore the credit card amount, reduce the debt ratio, and then apply.
4. The telephone return visit of bank credit audit is inconsistent with the information entered by the system at the time of application.
When applying for a loan, information such as home address and work unit will be entered, including name, address, position, employment time, etc. At the same time, the contact information of family, colleagues and friends will be entered. If the information obtained by the credit review call is inconsistent with the system input, it is easy to cause the loan to be rejected.
5. Rejected due to negative information.
There are many negative information, such as overdue credit information of the borrower/borrower's spouse or reserved contact person, record of punishment for litigation execution, being included in execution, etc. And the borrower's unit personnel apply for bank loans too intensively, and the total amount or number of online loans under its name is too large, which will affect the loan approval. For example, Ping An Bank requires non-banks to issue no more than three loans and the amount should not exceed 200,000.
6. Age problem
The age of credit loans is usually required to be between 22 and 55 years old, and some banks can reach the highest age of 58. Therefore, age is also a major factor in refusing loans. If you are over age, don't listen to people being fooled, increase the number of credit inquiries, or even cheat money.
These are the reasons why my clients who applied for credit loans were refused loans in the past four years. Generally speaking, these reasons are also reasons. Although there is no guarantee that 100% will pass the re-application, at least you can avoid stepping on pits and routines and get twice the result with half the effort.