Friends who apply for online loans now often give priority to formal platforms such as BOC consumer finance. However, not everyone can get loans from BOC Consumer Finance. Recently, many people have encountered loan failure when applying for BOC consumer finance micro-loans. Here, let's talk about the reasons for the failure of Bank of China's consumer finance micro-loan lending.
From what we have learned, there are two reasons for the failure of BOC consumer finance microfinance, one is the borrower's lack of comprehensive credit, and the other is the temporary problem of BOC consumer finance microfinance. If you can't apply for a loan within a period of time, it is often because the comprehensive credit is not enough.
The so-called lack of comprehensive credit refers to the borrower's current comprehensive evaluation results can not meet the loan requirements, and he can not apply for BOC consumer finance microfinance for the time being.
Reasons for insufficient comprehensive credit:
1. BOC Consumer Finance Microfinance found that the borrower had bad records in the central bank's credit investigation, such as loans overdue records and overdue credit card records.
2. BOC Consumer Finance Microfinance only lends to mainland citizens aged 20 to 60. If the borrower's age does not match, or his identity does not match, then he can't apply for BOC consumer finance microfinance.
3. When evaluating the borrower's repayment ability, BOC consumer finance microfinance found that the borrower's income was not high or unstable.
4. If you have more debts not paid off at present, there is no way to pass the audit of BOC consumer finance microfinance.
Above, we introduced the reasons for the failure of Bank of China's consumer finance micro-loan lending. If the loan fails, you can wait 2-3 months and try to apply again after finding the reason.
Why didn't China Post's consumer loan go down in June 5438+February? Let me try again in June 5438+ 10.
Finance and insurance, stock funds, futures credit card loans, making money, consumption, benefiting the people, finance and taxation, etc.
There are three main reasons why China Post cannot borrow money from consumer finance.
Kiki
2020-07-06 17:55:20
Explore its finance and economy
China Post Consumer Finance is a licensed consumer finance company. Its loan products include mail you spend, mail you loan, mail you buy, and any of them are revolving loans. In other words, these three loan products can be recycled. Then, why can't China Post borrow consumer finance?
Why can't China Post borrow consumer finance?
1 loans overdue
Recently, there are overdue behaviors such as loans and credit cards, or illegal use of credit cards and loans, such as credit card tx.
Use consumer loans for investment.
2. The comprehensive score is insufficient
It may be that the risk control has become stricter and personal conditions no longer meet the loan requirements. It may also be that the personal debt ratio is relatively high, and the user has modified his personal data and is no longer eligible.
3 system problems
If the above conditions do not exist, it may be that the lending institutions are short of funds, resulting in insufficient loan quotas.
Generally speaking, China Post's consumer finance can't be borrowed, probably because the borrower has a record of overdue repayment before. Or other loans overdue records have been added to the personal credit information, and the personal debt ratio is too high, and the user temporarily does not meet the loan conditions after modifying his personal data. In addition, due to the tight business volume, there is not enough loan quota for the time being, which is also one of the reasons why it is impossible to lend.
Why did China Post's consumer finance fail the audit?
The reasons for China Post's failure in consumer finance audit are as follows: 1. The borrower has recently overdue behavior and has a bad personal credit record. Second, the loan application operation is too frequent. Third, the debt ratio of other lending platforms is too high. 4. The information on the platform has been changed, resulting in non-compliance in the evaluation. 5. China postal system is short of funds, so it is impossible to approve the quota.
In addition, the re-application time set by China Post Consumer Finance for customers who failed the audit is three months. It is suggested that users can try to apply again after three months.
What is the situation that you can't apply for a "post-loan" if you borrow money?
This may be due to the following conditions:
(1) The maintenance time of China Post's consumer finance system is from 22: 00 every day to 2: 00 the next day, and loan repayment is not allowed;
(2) Invalid quota: the validity period of the quota is 30 days from the date of approval. If the customer borrows money outside the validity period of the line, he will be prompted that "the line has expired and needs to be reapplied";
(3) The system is abnormal.
Extended data:
At present, there are two kinds of this product. One is ordinary users, that is, users who apply for loans by themselves. The maximum loan amount for such users is 20,000 yuan; The other is to invite users, that is, the formal employees of China Postal Savings, to borrow up to 200,000 yuan.
The loan conditions to be met are:
1. The borrower must be 18 years old or older, and I have a real and valid second-generation ID card;
2. Personal credit is good, there is no serious loans overdue record, and there is no abnormal record in China Post's consumer finance;
3. Have a certain repayment ability and strong willingness to repay, and the monthly income should be more than 2,000 yuan.
The above three items are the main application conditions for mailing your loan. However, not everyone can get a loan smoothly if they meet the above three conditions.