For car owners who work or live in Shenzhen, it is extremely lucky to be able to take a photo of a Shanghai famous brand, but the price of a license plate worth hundreds of thousands is not for everyone. If you can afford it, many people will be denied a bank loan before they can feel happiness after acquiring new shares. So why was the Shanghai license plate installment loan rejected?
In fact, the reason why Shanghai license plate installment payment fails is very simple. The installment payment of license plate number is actually a loan business carried out between car owners and banks. This business process is combined with car loans, housing loans, etc. There is no substantial difference, so loan security is the main problem faced by commercial banks. After all, the value of the Shanghai brand is not low, and banks must consider the risks they are responsible for.
The main factors that generally lead to failure in bank verification risk are:
1. Insufficient comprehensive assessment, such as the cardholder has not used the card for a long time, the credit limit is low, and the personal Credit score, loan repayment status, salary income and other aspects cannot exceed the requirements, or the cardholder has TX and the loan is overdue.
2. Exceed the frequency and time of installment payment, because different banks have different frequency limits for bank credit card bill installments. Credit card bills for the current month can only be applied for bill installments in the current month. Cardholders must apply for bill installments in the current period. You can apply for the bill installment business process from the day after the date to the final loan repayment date. If this time range is reached, the credit card bill for that month cannot be paid in installments.
From a comprehensive perspective, the rejection of the license plate loan is likely to be due to insufficient overall evaluation of the car owner himself. For example, the car owner’s personal social security and real estate and other fields have not met the requirements, or the personal The provident fund payment base is insufficient, and there is a risk of being unable to repay. Therefore, the bank considers the loan risk to be very high and rejects the car owner's license plate installment payment behavior.
In fact, the approval standards for different banks may be different. Each bank has differences. You can try to change banks to start credit business. After all, the Shanghai license approval can be passed. So bank loans are generally not a big problem, but do not borrow from unreliable financial investment companies to avoid falling into traps designed by bad companies.