The reason why BOC E-loan approval failed has been found! There are mainly these 4 types!

Nowadays, many people choose online loans from Bank of China. Among them, relatively many people choose to apply for Bank of China E-loans. Among the many applicants, many were not approved during the review and approval process. So, what are the reasons why Bank of China E-loan was not approved? Here, I would like to introduce the relevant content to you. According to what we learned, there are four main reasons why Bank of China E-loan approval failed. These 4 reasons are:

1. Insufficient credit reference. The most common reason is insufficient credit reference. Because BOC E-Loan is a pure credit loan product of Bank of China, it does not require the borrower to provide mortgage or guarantee. Therefore, Bank of China E-Loan has very high credit requirements for borrowers, and the loan will be rejected if there are even slight flaws in the credit.

2. Identity does not meet the requirements. Only Bank of China’s high-quality payroll customers, wealth private banking customers, mortgage customers, provident fund/social security/tax customers in some areas, etc. are eligible to apply for Bank of China E-loan.

3. Insufficient repayment ability Another reason why Bank of China E-loan approval failed is insufficient repayment ability. Some friends have unstable incomes or already have heavy debts that day, so they are more likely to be rejected for loans.

4. Problems with application materials Sometimes, borrowers fail to get approved for Bank of China E-loan because there are problems with the information provided by the borrower, such as the mobile phone number has expired, etc. Above, we introduced to you the reasons why Bank of China E-loan was not approved. In general, insufficient credit, identity does not meet the requirements, insufficient repayment ability, and problems with application materials are the main reasons for insufficient comprehensive credit, which leads to the failure of approval. It is not difficult to see that the application difficulty of Bank of China E-loan is not low. Why was BOC E-loan approved?

After you submit your activation application, the system will automatically approve it based on your latest internal data and external data such as the People's Bank of China credit report, without manual intervention.

Warm reminder: There are various reasons for rejection of approval, including that your loan with our bank is overdue, your consumer loan balance or credit card overdraft amount with another bank is too large, you have a bad credit record, etc. wait. This reason can be checked in your mobile banking or online banking.

Usually, the reason for activation rejection can only be queried on the same day (because you can apply for activation again the next day, the reason for rejection is no longer displayed). When your activation fails (approval fails) and you fail to check the reason for rejection in time, the path when you plan to log in to the system again (that day) to check the reason for rejection is as follows:

Online Banking: Loan Management-New Business Application- Click "View Reason" in the credit loan to view the reasons for approval rejection.

Mobile Banking: Loan-BOC E-Loan, the reasons for approval and rejection are displayed below the blue crystal ball.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses. Bank of Nanjing's Nihao e-loan unified certification failed

Hello, if your Nanjing Bank's Nihao e-loan certification failed and the loan was rejected, it may be:

1. Personal credit report Question: Bank of Nanjing Nihao e-Loan is a credit loan and has very high requirements for personal credit reporting. If there are overdue and other bad records in the personal credit report, the system will directly apply for Nihao e-Loan.

2. Bank of Nanjing Nihao e-loan has requirements for personal repayment ability. When applying for Bank of Nanjing Nihao e-loan, the applicant will be reviewed. If the individual has relatively high debts, If the debt is high, it will be considered that there is a borrowing risk, and the application will be refused. The second is the issue of repayment ability.

1. Banks have very strict credit reporting requirements. If the applicant’s personal credit reporting has bad records such as overdue credit, the application will not be approved. You should first check whether there are any overdue issues with your personal credit report.

2. Banks also have requirements for repayment ability. If the bank finds that the applicant has high liabilities, or the gap between the personal income and assets and the loan amount is too large, it means that the repayment ability is insufficient. The application cannot be approved.