Users can provide other personal assets certificates, such as business licenses of self-employed individuals with small businesses, bank accounts, tax records, etc., and they can also provide properties in their own names, such as houses, vehicles, shops, etc., which can prove that the applicant's repayment ability is sufficient, and the bank may not necessarily check whether the user has a stable job. If the loan is rejected because there is no stable job, in addition to the above solutions, you can also improve the pass rate by promoting the repayment person or providing a guarantor. * * * The repayment partners are generally married spouses. If parents are still young, they can also be used as borrowers. The guarantor can be a relative of the user or a friend of the user. The guarantor should have good credit information and excellent repayment ability. If the lender fails to repay the loan on time, the bank will collect his guarantor to help repay the loan. The above is how the loan proves its repayment ability. Early repayment process

1. Check the requirements of early repayment in the loan contract and pay attention to whether it is necessary to pay liquidated damages;

2. Prepare relevant materials for early repayment of loans, and apply to relevant departments for early repayment of loans;

3. Submit the Advance Payment Application Form and deposit the advance payment in the counter. How to eliminate overdue records of loans

Credit reporting agencies keep personal bad information within 5 years from the date of termination of bad behavior or events, and if the credit card is overdue for more than 5 years, it will be automatically deleted. If the credit card is overdue, the user should pay off the credit card arrears at the first time, and pay back in full, and then explain the overdue situation and reasons to the bank that issued the loan. If the cardholder has a good loan repayment record, always repays the loan on time and the overdue is indeed caused by non-subjective malice, the bank may not report to the central bank for credit investigation within a few days after the overdue time. What are the reasons for the loan rejection

1. The user's credit investigation is poor, and there are bad credit records in the credit investigation report;

2. If the debt ratio is too high, the lender is at greater risk of overdue payment to users;

3. The repayment ability is insufficient, and the user has no stable job and income; The applicant's age does not meet the loan conditions;

4. The applicant is a student at school. For users, it is best not to apply for a loan in a short time after the loan is rejected. Applying for a loan within a period of time is conducive to the recovery of credit information. Is there an age limit for loans?

Loans have a minimum age limit and a maximum age limit. The minimum age limit is generally 18 years old and the maximum age limit is generally 6 years old. Therefore, the age of the loan applicant needs to be between 18 and 6 years old. If it is not within this age range, the user cannot submit the loan application. In addition, there is a special restriction that users who have reached the age of 18 and are not students can apply for loans. Before the user applies for a loan, the loan products will inform the application criteria. If the basic assessment of the individual does not meet the loan criteria, then the audit results after submitting the application are mostly unsuccessful. This article is mainly about how to prove the repayment ability of a loan, and the content is for reference only.