There has been no small change in the property market recently, and many friends have already bought their homes. However, when I borrowed from a bank, I repeatedly refused to apply for a loan. I clearly believe that my work is stable and creditworthy. How can I get a loan failure?
We all know that once credit is tainted, bank loans are easily rejected. In addition, banks also look at the work of the applicants and other hardships when reviewing loans. standard. Today, I will give you some knowledge about some bank loans.
1. What are the basic conditions for applying for a loan from a bank?
If you want to apply for a bank loan, you must meet the following conditions.
1. Must be a natural person with full civil capacity.
2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan.
3. Some banks will require applicants to have their own credit card or to make loans to the bank with a good credit history.
4. Some banks also require bank-approved work mortgages or pledges, or units or individuals that meet the prescribed conditions and have the ability to compensate for the repayment of principal and interest of the loan and assume joint and several liability guarantors.
Different forms of loans will have different requirements. The above are just some of the conditions that apply to the various loan situations. For your reference, you need to know more about the loan to ensure that your conditions are suitable for the loan. .
Second, when the loan is the bank, which ones are the least to be seen?
At present, friends who do not have loan needs can also understand the people who are not willing to lend to the bank. After all, whoever needs a loan is not sure.
1. Banks don’t like people with low incomes
The income of the borrower is an important criterion for the bank to determine the ability to repay. The lower the income of the applicant, the higher the risk of bad debts that the bank needs to bear. And even if income is stable, but income is low, banks are also reluctant to provide loans.
2, high-risk professionals are not easy to lend money
The so-called high-risk industry means that the risk factor is higher than other industries, the accident rate is higher, the property loss scale is large, and An industry that cannot be recovered in a short time. Coal mines, construction industry, hazardous chemicals industry, flight personnel, etc. are all high-risk industries.
For banks, the safety of life and property of borrowers in high-risk industries has certain risks. If a bank lends money to you, it is equivalent to passing these risks on to them. They will naturally be unhappy.
In addition, even the sales industry is one of the high-risk industries. Because the sales industry personnel’s income is unstable, high and low, the bank can not accurately assess its repayment ability, so the possibility of rejection of the loan is relatively large.
3. Unstable people
The direct consequence of job instability is income instability, so banks can’t assess their repayments for people with unstable jobs. Ability, there may be times when income is high, sometimes income is low, sometimes there is income, and sometimes there is no source of income. There are too many uncertain factors, which will seriously affect the repayment ability.
4. People with poor credit
People who have smudged credits We all know that it is very difficult to make a loan, but it is more difficult for people without credit cards to apply for loans. Because there is no credit card consumption and repayment history, when the bank examines the credit status of the applicant, it lacks a lot of reference materials. The more good credit records, the higher the personal credit record score, the higher the individual’s credit, and the easier the loan. Bad credit records can directly lead to the inability to obtain loans from banks.
That, then, who will the bank prefer?
What kind of person does the bank “prefer”? Civil servants, employees of state-owned enterprises, employees of institutions, doctors, teachers, etc. are very popular. Because they work stably and their income is not low, many banks must apply for these related professions.
At the end of the day, we must remind everyone to maintain a good credit, control their own risk control, and do not overdue unnecessary troubles.