Professional loans are easily rejected by real estate agents, public security law, construction, coal miners, special practitioners, high-risk occupations, flight attendants and peers. Real estate agents are "magical", and many materials can be forged at will. Banks are sensitive to the loan application of real estate agents, and in order to avoid risks, they are also listed as one of the "unwelcome" objects. Everyone thinks that the personnel of the public security inspection law are the industry personnel with the highest quality, but the risk of overdue is everyone's. It is difficult to remind public security officials if they are overdue. Construction workers and coal miners are well-known high-risk occupations. Every year, many coal mine explosions and construction accidents are exposed on the Internet. In order to ensure that their own interests are not infringed, banks generally reject the applications of such users. When filling in the work place, if it is a bar, a shop, or some less glamorous place, 90% of the loan application will be rejected. Stocks, spot trading, futures trading, these high-risk occupations, basically all the money invested is gone, and they can never come back. In the eyes of many people, flight attendants are a "rich and beautiful" profession and a high-quality profession. However, in the list of some banks, flight attendants are listed as high-risk occupations. In order to avoid adverse overdue risks, they often refuse loans. As the saying goes, "peers are enemies", it is difficult for credit managers to obtain loans from banks or small loan companies. In the bank, you can only handle mortgage and car loans, and other loans are hopeless. In other small loan companies, the same is true. 201June 9, 1 1, Article 53 of the Minutes of the National Conference on Civil and Commercial Judicial Work stipulates: "Legal persons who have not obtained the qualification of lending subject according to law, as well as unincorporated organizations or natural persons engaged in private lending shall be deemed invalid according to law. If the same lender engages in paid private lending for many times within a certain period of time, it can generally be recognized as a professional lender. Senior people in places where private lending is more active or intermediate people authorized by them can formulate specific identification standards according to the actual situation in the region. " According to the provisions of the above judicial interpretation and judicial policy documents, item (3) was added to Article 14 when the judicial interpretation was revised this time, "Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit", which is a restriction on professional lending behavior.
Second, how long can I borrow money to buy a house, and which occupations may be rejected?
The loan time of housing provident fund is as follows:
Local accounts, you need to pay for 6 months in a row to apply for provident fund loans;
For foreign hukou, you need to pay 12 months continuously before you can apply for provident fund loans;
If the account is not paid continuously due to special circumstances such as job changes, you can apply to the loan acceptance institution for reconsideration of the provident fund loan after the normal remittance is resumed and the missed payment month is paid back. If the reconsideration is passed, you can apply.
Provident fund loan.
I am a civil servant, and now my familiar colleagues ask him for help to guarantee the loan. On what grounds should I refuse?
It is best not to guarantee loans to others. If your colleague hadn't arrived by then, you would be jointly and severally liable, that is, you would have to pay your debts. You don't need a reason, just don't give him a guarantee. It's a big deal to offend a colleague.
Fourth, what is the loan occupation easy to be rejected?
Professional loans are easily rejected by real estate agents, public security law, construction, coal miners, special practitioners, high-risk occupations, flight attendants and peers.
Real estate agents are "magical", and many materials can be forged at will. Banks are sensitive to the loan application of real estate agents, and in order to avoid risks, they are also listed as one of the "unwelcome" objects.
Everyone thinks that the personnel of the public security inspection law are the industry personnel with the highest quality, but the risk of overdue is everyone's. It is difficult to remind public security officials if they are overdue.
Construction workers and coal miners are well-known high-risk occupations. Every year, many coal mine explosions and construction accidents are exposed on the Internet. In order to ensure that their own interests are not infringed, banks generally reject the applications of such users.
When filling in the work place, if it is a bar, a shop, or some less glamorous place, 90% of the loan application will be rejected.
Stocks, spot trading, futures trading, these high-risk occupations, basically all the money invested is gone, and they can never come back.
In the eyes of many people, flight attendants are a "rich and beautiful" profession and a high-quality profession. However, in the list of some banks, flight attendants are listed as high-risk occupations. In order to avoid adverse overdue risks, they often refuse loans.
As the saying goes, "peers are enemies", it is difficult for credit managers to obtain loans from banks or small loan companies. In the bank, you can only handle mortgage and car loans, and other loans are hopeless. In other small loan companies, the same is true.
201June 9, 1 1, Article 53 of the Minutes of the National Conference on Civil and Commercial Judicial Work stipulates: "Legal persons who have not obtained the qualification of lending subject according to law, as well as unincorporated organizations or natural persons engaged in private lending shall be deemed invalid according to law.
If the same lender engages in paid private lending for many times within a certain period of time, it can generally be recognized as a professional lender. Senior people in places where private lending is more active or intermediate people authorized by them can formulate specific identification standards according to the actual situation in the region. "
According to the provisions of the above judicial interpretation and judicial policy documents, item (3) was added to Article 14 when the judicial interpretation was revised this time, "Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit", which is a restriction on professional lending behavior.