At present, there are many people who choose BOC online loans, among which there are relatively many people who choose to apply for BOC e-loans. Among many applicants, many failed in the approval process. Then, what is the reason for the failure of the approval of BOC e-loan? Here, I would like to introduce the relevant contents to you.
According to what we have learned, there are four main reasons for the failure of the approval of BOC e-loan. These four reasons are:
1, insufficient credit information
The most common reason is the lack of credit information. Because BOC e-loan is a pure credit loan product of China Bank, it does not need the borrower to provide mortgage and guarantee. Therefore, BOC E-loan has a high credit requirement for the borrower, and will refuse to lend if the credit is slightly flawed.
2, identity does not meet the requirements
Only China Bank's high-quality payroll customers, wealth private bank customers, mortgage customers and customers who have paid provident fund/social security/individual tax in some areas are eligible to apply for BOC e-loan.
3. Insufficient repayment ability
Another reason for the failure of the Bank of China's e-loan approval is the lack of repayment ability. Some friends whose income is unstable or whose debts are already heavy that day are more likely to be refused loans.
4. Application materials.
Sometimes, the borrower can't pass the approval of BOC e-loan, even because there are problems with the information provided by the borrower, such as the expired mobile phone number and so on.
Above, we introduced the reasons for the failure of approval of BOC e-loan. Generally speaking, insufficient credit, unqualified identity, insufficient repayment ability and application materials are the main reasons for the failure of approval due to insufficient comprehensive credit. It is not difficult to see that the application difficulty of BOC e-loan is not low.
Why was the approval of China Bank's e-loan rejected?
After you submit the activation application, the system will automatically approve it according to your latest in-line data and external data such as the credit report of the People's Bank of China, without manual intervention.
Tips: There are various reasons for refusing approval, including excessive balance of consumer loans in loans overdue and other banks, overdraft of credit cards, and bad credit records. This reason can be found in your mobile banking or online banking.
In general, the reason why activation was rejected can only be queried on the same day (because you can apply for activation again the next day, the reason for rejection will not be displayed). When your activation failed (approval failed), you failed to check the rejection reason in time. When you plan to log in to the system again on the same day to inquire about the reason for rejection, the path is as follows:
Online Banking: Click "View Reason" in Loan Management-New Business Application-Credit Loan to view the reasons for the rejection of approval.
Mobile banking: loan-Bank of China e-loan, and the reason for approval rejection is displayed below the blue crystal ball.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Hello, Bank of Nanjing, unified authentication of e-loan failed.
Hello, if your Hello E loan certification of Nanjing Bank fails and the loan is rejected, it may be:
1. There is something wrong with personal credit. Hello e-loan of Nanjing Bank is a credit loan, which requires high personal credit information. If there are bad records such as overdue in personal credit information, then the system will directly borrow the application for Hello E loan.
2. High debt: Hello, Bank of Nanjing, e-loan, requiring personal repayment ability. When applying for a Hello e loan at Nanjing Bank, the applicant will be reviewed. If the personal debt is high, he will think that there is a loan risk and refuse to apply.
Why didn't Jiangsu Bank pass E-loan?
Bank of Jiangsu failed to pass e-loan. The second is the problem of repayment ability.
1. Banks are very strict about credit information. If the applicant's personal credit record is overdue and other bad records, it is impossible to pass the application. Need to check whether there are problems such as overdue personal credit information.
2. Banks also have requirements for repayment ability. If the bank finds that the applicant's debt is too high, or the gap between personal income and assets and the loan amount is too large, it means that the repayment ability is insufficient and the application cannot be passed.