According to regulations, loans are not allowed. Generally, banks will judge whether to refuse a loan based on the number of overdue repayments and the reasons. The bank will examine the following types of overdue repayments.

Current overdue situation:

If the applicant has overdue repayment in the current month, the bank will not continue to approve it. Unless the applicant repays the overdue debt immediately, he must also provide a "repayment receipt" (deposit receipt).

Historical overdue status of the applicant:

Generally, banks will not accept applications that are overdue for more than 6 times in total. However, if the overdue reasons are due to the following three situations, banks will generally still accept the loan application.

1. Overdue due to bank reasons. For example, if there is a problem with the bank's credit card repayment system and the repayment does not arrive immediately, or the monthly payment increases after the interest rate adjustment, but the bank fails to fulfill its obligation to notify, then the applicant can request the original borrowing bank to issue a non-malicious overdue certificate;

2. If you have been overdue for more than 6 times in total, but your repayment status at other times has been good, and you can provide the bank with non-subjective explanations for the non-subjective reasons for not repaying on time, you can try to contact the original card-issuing bank or The lending bank applies to issue a non-malicious proof of repayment;

3. The overdue repayment occurred 2 years ago. For overdue payments that occurred 2 years ago, the bank will generally not count the number of overdue payments by the applicant. middle. However, if there are many overdue loans that occurred 2 years ago, the bank will increase the applicant's loan interest rate or reduce the loan amount.

The number of consecutive overdue applications of the applicant. Banks are generally unwilling to accept applicants who are overdue for more than three consecutive times.