Can I pass the loan after it is imported?

You may not be able to get a loan, but a loan only means that you are allowed to submit your loan information to the bank for approval. If the follow-up audit does not meet the requirements, you still can't get the loan. Submitting shows that you have met the basic requirements of the loan, but it does not mean that you can approve it. It usually refers to an act of submission. In addition, it also depends on the nature of the loan. General loans need to be reviewed. When the loan comes down, it means that the loan can be successful, and the import only means that the audit has just begun. The general process of loan application is to enter personal information (that is, what we call communication), and then wait for the preliminary examination. After the loan is approved in the first instance, it does not mean that it has passed the examination.

The first trial of a general loan is that the staff reviewed the information provided by the borrower and found no problems. After the preliminary examination is passed, the staff will report the application materials that have passed the preliminary examination to the branch at the next higher level for final examination. The staff of the branch will re-evaluate the comprehensive qualification of the borrower, and if there are no serious problems, they will pass the examination and approval, and then consider the loan application approved.

If the first trial is passed, there will be a final trial. Many institutions adopt manual audit in this branch, and will call the applicant and emergency contact person to verify the applicant's work occupation and family situation, and understand whether the user has the ability and willingness to repay the monthly principal and interest. If the risk is high, it will be rejected. If the risk is low, it will be approved.

There are many reasons why the loan cannot be approved. Here are some factors for your reference:

1. Personal credit record is bad, such as loans overdue and credit card;

2. The loan information provided by the individual is wrong or is suspected of fraud;

3. The financial resources provided are insufficient, and the bank or lending institution determines that the applicant's repayment ability is insufficient;

4. Personal debt is too high;

5. The comprehensive credit evaluation score is too low, which does not meet the standards in the next paragraph;

6. The applicant's job or income is unstable.