Jianxin Express Loan is a popular consumer loan among many loan products. Although CCB's fast loan quota is not as high as that provided by CCB's mortgage, it can also solve the user's capital problem in a short time. Mortgage is a mortgage loan, not a consumer credit card loan, so the mortgage amount will be higher. So, what are the reasons for the rejection of CCB's fast loan?

What are the reasons for the rejection of CCB's fast loan?

1 It is difficult for an applicant to apply for a loan due to poor personal credit information, and it is not conducive to applying for a loan because of too many overdue times or unpaid loans.

If there are more than 20 credit card approval inquiries in the credit report in the last six months, or if there are more than 4 credit card approval and loan approval records in the last six months, you will not be able to apply for quick loans.

3. The sum of the credit line and the quick loan line has exceeded the maximum credit line provided by CCB customers, or the authorization of the provident fund failed, and the local provident fund failed to update the data in time.

There are no savings cards and mobile banking signed by CCB, no credit loans and consumer loans from other banks, and a large number of credit cards from other banks, which have long-term high debts.

If the user has applied for the online loan of CCB and has not paid it off, it is difficult to apply for the quick loan of CCB if the credit card under his name is overdue or loans overdue.

In addition, according to the regulations of China Construction Bank, the money from quick loans cannot flow into the housing market and invest. Therefore, the number of users of CCB mortgage is decreasing, because mortgage is already a CCB credit loan, and fast loan is also a loan business. Both are repeated credits. The above is the whole content of this article, and I hope it will be helpful to everyone.