There are bank outlets all over the country, and everyone can handle financial business with identity information. However, some users said that it was difficult for them to apply for bank loans and they were rejected every time. What happened? You may have won these reasons.
1, industry restrictions
Your occupation may affect the loan approval. Because the criterion for financial institutions to issue loans is that they cannot flow into the entertainment industry or industries with overcapacity, if you are an individual or enterprise engaged in beauty salons, KTV, bathing, steel and paper industries, it is more difficult to apply for bank loans, and some banks will have restrictions unless you don't look at professional mobile phone credit loans.
Step 2 vouch for others
People in China pay the most attention to human feelings. Some people, in order to save face, easily lend money to others as guarantors, and as a result, they are in trouble. If the borrower is unreliable and the loan is not repaid at all, then you will be greatly affected, and the guarantor's responsibility is also great, which may lead to fire.
3. Poor credit
If you are frequently inquired by many financial institutions for reasons such as "loan approval" or "credit card approval" in a short period of time, and there is no record of successfully applying for a loan or handling a card, the bank will think that you are in urgent need of funds, and some conditions do not meet the requirements, and the risk of default is greater.
4. White family loans
Some people think that they have never handled financial credit business, their credit is spotless and their loan success rate will be high. In fact, it is easy for such a credit white household to be refused a loan. The main reason is that there is no credit record for reference, and the bank lists you as a risk user. From the perspective of risk control, it is understandable to be refused a loan.
Is it easy to get a loan from the bank now?
As long as you meet the requirements, your credit is good, or you have assets, it is not difficult for banks to get loans.
The reasons why bank loans are difficult are as follows:
1. Bank loans need a guarantor. It is difficult to find a guarantor for personal loans and corporate loans now.
2. Individuals and enterprises don't know much about the loan information of banks, and banks don't know the needs of individuals and enterprises, which increases the difficulty of loans.
3. Strict examination and approval of bank loans, long approval process, slow lending speed and low loan amount are important reasons for the difficulty of loans.
Not everyone who applies for a loan will apply for it, and not everyone can apply for a loan. It is difficult for people with poor personal credit, incomplete loan information and poor repayment ability to apply for bank loans.
A large number of people have difficulty in getting loans! Voice of Central Bank Governor
Under normal circumstances, the new year has just begun, and the amount of funds should be sufficient, but now it is the opposite.
202 1, a large number of people's loans become troublesome.
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Let me talk about why mortgages are tight in many places now.
First of all, the shortage of loan funds is related to the recent shortage of funds of commercial banks themselves.
Since 202 1, the central bank has become very cautious about the investment of funds. Recently, many reverse repurchase operations carried out by the central bank are mainly based on the withdrawal of funds.
For example, on June 26th, 65438+, the central bank's reverse repurchase operation fund was 2 billion yuan, but on this day, 80 billion yuan of reverse repurchase funds expired, which means that the net withdrawal was 78 billion yuan. 65438+1On October 25th, the central bank also implemented zero investment.
It is precisely because of the central bank's caution in releasing funds that the overnight lending rate of Shanghai Bank rose sharply throughout 1 month. This is one of the signals that commercial banks are short of short-term funds.
In addition, the central bank has set a ceiling on the placement of commercial banks.
It is the Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions issued at the end of 2020, which sets two red lines for the scale of real estate loans, namely, the upper limit of real estate loans and the upper limit of personal housing loans.
Originally, the bank's money was a bit tight, and the central bank also set a ceiling on personal mortgages and housing loans, which would naturally affect the mortgage amount.
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However, the current credit line is different in different regions, and the tight credit line is not common.
In fact, the places where mortgage funds are tight are mainly concentrated in the Pearl River Delta and the Yangtze River Delta, especially in the three first-tier cities of Shanghai, Shenzhen and Guangzhou. They are all cities that have been exposed to overheating in the property market since 2020.
Beijing, a first-tier city, has no shortage of credit lines and sufficient funds. Some bank loans can be released within 3-5 working days.
Second-tier cities haven't heard the signal of a large amount of capital shortage, but I estimate that with the rotation of housing prices, it should be a matter of time before banks in second-tier cities have a shortage of funds in the future.
Third-and fourth-tier cities may be better in the case of tight funds.
Because of the impact of this year's epidemic, the whole country is advocating local Chinese New Year.
65438+1On October 25th, the Central Committee issued the Notice on Doing a Good Job in Serving the People in Local Spring Festival.
This year's Spring Festival, a large number of urban migrant workers will choose not to go back to their hometown for the New Year, which means that cities on Line 345 and below are definitely not as busy as before.
Generally speaking, there will be a wave of home buyers in the property market of small cities during the Spring Festival, but now many people don't go home, which will inevitably affect the number of home buyers.
Then the demand for mortgage loans will be reduced, and it is not easy for banks to have such a shortage of funds.
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Finally, talk about the impact of the shortage of bank credit funds on lenders and the property market.
First; Impact on lenders.
Needless to say, the shortage of funds will definitely affect the difficulty for lenders to buy loans.
Banks that are short of funds must examine the credit line of lenders more strictly.
So I have repeatedly stressed that we should manage our own credit.
At the end of 2020, I also reminded that people who originally wanted to buy a house in popular first-and second-tier cities this year had better buy it as soon as possible, otherwise the credit difficulty will increase and the lending time will be extended.
Cities with extremely tight quotas don't have to worry too much about the shortage of quotas now.
Although the overall loan difficulty this year is greater than that in 2020, the tightness of bank credit lines is often phased.
Second; Impact on the real estate market.
Many people may feel that the credit line is tight and fewer people buy houses, so do you think the property market is going to fall?
If you think so, you may suffer.
Don't forget, this year is the year of inflation.
202 1, the world is still releasing a lot of water. For example, when Biden took office, he announced an economic plan of 1.9 trillion US dollars (about 12 trillion RMB).
Recently, Europe also officially announced that the scale of the epidemic bond purchase plan will remain unchanged at 1.85 trillion euros (14.5 trillion yuan).
To put it bluntly, China will continue to be immersed in the global water tank this year, and the domestic inflationary pressure will definitely be great.
Recently, housing prices in Shenzhen, Shanghai and other cities have risen because there is too much money in the market.
Ma Jun, member of the Monetary Policy Committee of the People's Bank of China and director of the Tsinghua University Financial and Development Research Center, also said at the symposium on "Interpretation of the Central Economic Work Conference and Analysis of the Current Economic Situation" held recently:
On June 26th, 65438, Yi Gang, the governor of the central bank, also delivered a speech on the next monetary policy direction of China:
Capital always likes to go to places with high returns, and the stock market and the property market are all hot directions.
Therefore, with the economic recovery of 202 1 China, domestic house prices will not fall.
As long as there is money in the market, even the road of direct mortgage becomes difficult. Some people may also obtain funds through, for example, consumer loans and corporate loans, and enter the real estate market in a tortuous way.
In 20021year, the supervision of capital flow will be a major task for the country.
What if the bank loan is not repaid? Very troublesome.
1. The difference between a credit loan and a mortgage loan is that there is no collateral. When the mortgage loan is not paid, the lending institution may use the collateral as compensation.
2. Pay off the principal interest and possible penalty interest as soon as possible, but remember to rob Peter to pay Paul and borrow money from other loan channels, which is very irrational.
3. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations.
4. Note: The extension will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.
Don't delay, if you can't afford it, contact the bank as soon as possible.
6. Contact the bank sincerely. First, it can prevent the occurrence of late payment fees. Second, in most cases where a repayment agreement is reached, there will be relief.
7. The above are the consequences and solutions of non-repayment of bank loans. In a word, loans overdue will not only affect the borrower's personal credit, but also affect his personal life in serious cases, so he is classified as "Lao Lai". Therefore, it is very important to borrow reasonably and repay in time.
Is it difficult for individuals to borrow money from banks?
The difficulty of specific loans generally depends on your repayment ability and credit history. If you apply for a loan in a bank, you need to verify the purpose of your loan and whether your local China Merchants Bank branch can handle the loan you need. If you can apply, you can apply directly to the personal loan department of the local bank outlet.
This depends on whether the individual meets the loan conditions of the bank. In general, personal loans need to meet the following conditions: 1, 18 years old, and a natural person with full civil capacity. 2. Have a stable job and a stable income, and provide relevant income certificates. 3. Provide bank running water. In general, the bank's running water needs to be more than twice the monthly repayment amount. 4. The borrower's credit record is good. 5. Other loan conditions stipulated by the bank. If everyone is satisfied, the loan is still very easy.
Loan procedures: 1. Apply. According to the requirements of the bank, the borrower provides relevant loan materials and applies to the bank. 2. Loan approval. At this stage, the bank will examine and approve the materials applied by the borrower to confirm the accuracy of the materials. And check personal credit records for stains. 3. Sign a loan contract. The bank and the borrower sign the corresponding loan contract, and determine the repayment method and repayment period. 4. Issue loans. The bank issues loans to the borrower, and the borrower repays according to the contract.
Note: 1. When an individual borrows money from a bank, he must ask the bank's loan interest carefully. After that, the borrower will choose the repayment method that suits him according to his own situation. 2. When making a loan, you must consider your own economic ability and avoid the situation of cutting off the supply in the middle. 3. In the process of bank loans, banks will attach great importance to personal credit records. If personal credit is tainted, it is very difficult to get a loan in a bank.
If ordinary people want to go to the bank to apply for real estate mortgage or other loans, it is difficult to handle general loan business, because many general loan businesses have formed a lot of bad debts in recent years, so they will use various conditions to push you off. At present, in many bank loan departments, there will be some intermediaries or tripartite mortgage institutions and guarantee institutions other than banks.
Banks will recommend ordinary mortgage business to them, and these institutions have paid a part of the deposit in the bank. In order to avoid non-performing loans in the future, the bank will package this business to a tripartite intermediary. These three-party intermediaries will charge a few more points for the total loan business of the bank after they promise to handle the loan business. If some loans default in the future, the tripartite agency will collect them first. If the third-party institution cannot recover the overdue funds, the bad bank will also deduct the deposits reserved by the third-party institution in the bank to reduce non-performing loans. In this way, banks can also reduce the preparation of approval materials and reduce the occurrence of bad debts.
So why is it so difficult for ordinary people to get loans from banks? Loan managers are often very picky and have a lot of procedures. After all, time and energy have been spent, and the loan has not been done yet.