Reasons and countermeasures for failure of bank loan review

When you applied for a bank loan, the credit manager said that your personal comprehensive conditions allowed you to get approved,ofw loan without ccsl but you still failed. Why? In fact, many people are stuck in the system review. The bank's review system is a comprehensive assessment model, which brings together many aspects of inquiry and comparison, such as big data, loan history, repayment history, whether it is overdue, whether there is any litigation, etc. wait.

Although you have passed the credit manager level, most banks now focus on system review. Once you get stuck,personal loan calculator the entire loan application plan will be ruined. You will have to continue to contact the next bank, unless you go to the bank for offline special approval. , without going through the banking system review, but this requires conditions and relationships as well as a special release period.

If you want to improve the success rate of loan applications, you must work hard on specific difficult factors to achieve precise improvements.

There are ten major reasons why bank loans pass manual review but fail to pass system review, and they can be solved by the following methods:

1. Bad personal credit report

The user's personal credit report should not be bad.student loan It will not be discovered during manual review. It will only be discovered by querying the user's personal credit report during system review. Users can choose to pay off overdue debts to reduce the negative impact of overdue records. Wait for at least 3 years for the overdue records to be cleared before trying to apply for a bank loan.

2. Loan information is wrong

During manual review, it will only review whether the user's loan information is complete. As for whether there are errors in the loan information, it will be reviewed again by the system. Before submitting loan materials, users need to check whether the loan materials they fill out are true and accurate, and then submit them to the bank after confirming that they are correct.

3. Error in proving financial resources

During the manual review, it will be reviewed whether the user has submitted relevant financial proof. At the system review stage, it will be reviewed whether the financial proof is true and valid. The financial proof submitted by the user must be valid and meet the requirements for bank loans, so that it can pass the system review.

4. Personal debt ratio is too high

Manual review does not query the user's personal credit report, so it is impossible to know the user's debt status. The system review will directly query the user's credit report, so that problems with excessive debt ratios can be discovered. Before applying for a bank loan, users should ensure that their personal debt ratio does not exceed 50%.

5. Income does not meet the requirements

During manual review, it only checks whether the user has submitted proof of income. Whether the income meets the requirements will be reviewed by the system. Before applying for a bank loan, users can first ask the bank staff how much income is required to meet the standard.

6. There is long lending

Manual review cannot know whether the user has multiple loans, while system review can know by querying the user's personal credit report. When users apply for a loan, try to stagger the loan time and do not apply for multiple loans in the same time period.

7. Poor willingness to repay

Manual review cannot know the borrower's willingness to repay, while system review can determine the user's willingness to repay through the credit record in the credit report. As long as there is no bad credit record in the user's credit report, he is a user with a strong willingness to repay.

8. Low overall credit score

Manual review will only review whether the loan materials submitted by the user are complete, and the comprehensive credit score will be scored by the system. Users with bad credit, high debt ratio, insufficient repayment ability, and poor willingness to repay will all lead to a low personal overall credit score.

9. Personal credit reporting is too expensive

Manual review does not check the user's credit report, only system review will check the credit report. When there are a large number of loan approval query records in the credit report and the review standards are strict, users will not be able to pass the loan review. Users need to ensure that they do not apply for credit business for 6 months or more, and then try to apply for a bank loan after 6 months.

10. Insufficient bank loan quota

It is not possible to know whether the loan limit is sufficient during the manual review stage. After passing the system review, the system usually releases the loan funds, so the system can know whether the loan limit is sufficient. Users can try to apply again after a period of time, and do not apply frequently in a short period of time.

The above ten reasons basically cover various factors that lead to failure in the review. The cracking methods and countermeasures are listed one by one. Any bank loan application that fails can be compared and referenced. Modern society is already a highly developed financial society. It can be said that the frequency of dealing with banks is increasing, so these You need to be familiar with the solutions, and only when you have a clear idea of how to deal with them can you deal with them with ease.

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