There are many reasons why debtors cannot borrow money from banks, and there are thousands of bank products, each with different emphasis, but there are still some rules to be found and commonalities.
The first is over-indebtedness!
The debtor is too indebted, and the income is disproportionate to the loan, and it is definitely not able to borrow, which can be simply judged from the provident fund and business flow in the credit loanSecondly, there are too many queries!
Many debtors are short of money and can't get a loan from the bank, so they apply for a lot of online loans, and the more they apply, the fewer they apply, and in the end they can't apply for it, and the bank sees that you even have hundreds of thousands of small loans dozens of times a month, which bank dares to lend to you?
There are too many micro-loan households!
There are too many revolving small loans": For banks, debtors are in a hurry to borrow hundreds or thousands, which means that the debtor's economy is very bad, who dares to lend money to a person who is in a hurry to borrow hundreds or thousands of yuan?The same goes for banks.
Credit overdue black account!
"Liansan": "Liansan" means that the debtor has not repaid the loan for three consecutive months.
"Accumulation of six": "Accumulation of six" refers to the debtor's overdue repayment of the loan for six times (six months) in a year. Even three" and "tired six" belong to credit black households.
"Stop payment": That is the black account of the black household, the black account that has not repaid the loan for nine consecutive months, and the bank has given up, and the credit report shows "stop payment". It means that the bank has also given up, which is much more terrible than "substitution" and "continuous accumulation of six", and it is difficult for the debtor to borrow money from the bank after five years of repayment.
"Current overdue": Everyone understands that the current overdue is displayed on the credit report, which is also the object that the bank does not want to lend.
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