There are several main reasons:
1, the loan amount is insufficient. There is a certain relationship between bank loans and policies. Once the loan amount is tightened, the loan amount may be insufficient. Moreover, the sources of funds of banks are also unstable, such as mortgages and consumer loans. The funds come from a third party or the deposits are insufficient, so there will be so-called freezing caused by unstable funds. At this point, you don't have to worry, just wait for a while and you can naturally thaw and recover.
2. Freezing caused by changes in credit information. Banks attach great importance to risk assessment, and will continue to carry out post-loan management and check users' credit information. If the user has overdue credit information and high debts after the loan is issued, which is beyond the scope required by the bank, then the bank or the employer may temporarily freeze its turnover quota for the sake of loan risk.
3. Time limit. Everyone wants the deadline of the main turnover line, and the general bank will only give it a period of time to cycle, such as one year, half a year and so on. Once the loan product expires and you want to use it again, you need to re-submit the application, then the bank will re-evaluate its qualification and reputation, so as to evaluate whether to grant the quota. Many credit loans are aimed at phased demand scenarios. After the contract expires, the demand scenario does not exist, so naturally there will be no more credit.
Two, rural credit cooperatives mobile banking revolving loan lending operation time is 22 o'clock to what time every day?
The daily lending operation time of mobile banking revolving loan of rural credit cooperatives is from 22: 00 to 22: 00 the next day. Whether the rural credit cooperatives lend money in the morning or afternoon is related to the internal situation of each credit cooperative, and the loan conditions will be received within 24 hours after the audit. The specific arrival time is subject to the bank's loan notice.
Third, what is the interest rate of e-loan of Jinnong Credit Cooperative?
Calculation method of interest rate for loan interest of rural credit cooperatives. For example, the loan is 10000 yuan, with a term of one year and a loan interest rate of 5%, which is equivalent to 2.9 yuan. If the product bears interest on a daily basis or on a monthly basis, the daily interest rate of the loan principal can be used to calculate the loan interest.
Jinnong Credit E-loan is a product for individual customers, which can be used for personal consumption or production and operation purposes. The credit line is less than 500,000, which supports "one-time credit and recycling". Customers can apply for loans, sign contracts and handle inquiries online through mobile banking.
"According to government data, people's bank credit data, etc. Accurately build 360-degree customer portraits, and provide individual industrial and commercial households, provident fund customers, social security customers, urban and rural residents and other groups with big data and banks as carriers.
Customers can apply for loans online by themselves, with automatic approval, scientific credit granting, flexible pricing and fast lending. The credit line can be recycled, and customers can make loans and repayments online at any time through mobile banking.
I. Main functions
Customers can apply for a loan through Anhui Jinnong Mobile Loan, and the system will automatically approve the credit and complete the signing. After granting credit, inquire loan information, etc.
Second, it is suitable for users.
1. Anhui farmers must have, including jinnong card, easy loan card and financial social security IC card;
Bank or personal online banking business;
3. The borrower meets the requirements in age, has full capacity for civil conduct and is in good health;
4. The projects engaged in or operated are in line with the relevant provisions of the national industrial policy and have the ability of sustainable operation;
5. Have a legal and reliable source of income, have the ability to repay the loan principal and interest in full, have a strong sense of credit, have a good credit standing, have no bad habits, and have no bad behavior records;
6. The credit and secured loans of rural commercial banks have not been handled or settled, and there are no records of loan default, illegal records, malicious evasion of debts and other bad behaviors;
7. The loan has a clear, true and legal purpose.
Four, rural credit cooperatives loans when lending?
The lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".
Generally speaking, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money;
However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.