High-risk customers of banks are high-risk customers. Generally speaking, high debt ratio, frequent loan applications and a large number of bad records in personal credit information may be listed as high-risk customers by banks. At this time, users need to consult the bank first to find out why they are listed as high-risk customers, and then solve the problem for this reason. If the credit is not good, keep a good credit record; If the debt ratio is too high, some small loans will be repaid in advance. As long as users remove the risk factors, they can quickly return to normal customers. High-risk customers may be due to:
1. Personal debt ratio is very high. When a bank conducts qualification examination, it will not only inquire about the applicant's credit record, but also examine its debt ratio. Because if the personal debt ratio is too high, the corresponding repayment ability will be insufficient. Many friends who think they have stable jobs, stable incomes and good credit are refused loans or credit cards, and most of them stay here. Even if the credit is good and the income is high, it is useless. If the debt is high and the repayment ability is insufficient, it has been included in the list of high-risk customers.
2. Apply for loans frequently. Many people like to apply for loans from several financial institutions at the same time, and then apply for loans from another one before the last loan is settled. Such users are also high-risk customers in the eyes of banks. Because they frequently apply for loans, banks will think that they are definitely short of money, their repayment ability is not guaranteed, and they may not repay at any time. It is understandable that the application for a loan was rejected.
People over 3.50 years old, in the eyes of banks, will retire in a few years. And because of old age, physical fitness is not as good as before. Once there is a physical problem, it is difficult to guarantee repayment on time. Therefore, such people will have a higher risk of overdue.
The borrower shall repay the loan in full and on time, and guarantee that there is no overdue record, overdue amount and overdue duration. And high-quality customers often have good credit records and excellent credit status.
Concentrate your daily financial activities in one bank, that is, use one bank's services such as savings and credit card consumption. With the increase of transaction volume, the bank will judge the income and credit status according to your behavior record, and then determine whether it has the conditions of quality customers.
What does global high-risk rejection mean?
Overall high-risk rejection refers to refusing a loan because the risk brought to the customer is too high, mostly because the bank decides that the loan risk is too high for you in terms of credit and liabilities, so it refuses your loan request. In other words, it may refuse the loan due to various factors, such as malicious overdue, bad record or guaranteeing huge debts for others, or its credit record has been inquired many times, and there may be many loan records. It is very likely that there are many online loans, which are affected by many loads. It may also be that the spouse's credit is poor, it may be that the water flow is cut off, unstable, or the repayment ability is not strong, that is, the existing debt of the individual accounts for 70% of the income. It is also possible that the operation is exaggerated, and then the payment status of provident fund information is abnormal; Social security information does not match, and the payment status is abnormal. Or whether the applicant has a bad record in the tax bureau, such as a private enterprise or a legal person, or it may be because the industry he is engaged in is a high-risk industry and a high-risk industry; Then we don't cooperate with the investigation, and then we will see whether the assets are untrue, that is, luxury homes and luxury cars that don't meet the normal income situation, and the time of property rights and loan application is close. Then we will see that family members don't recommend handling or provide customers with negative information about them, or are unwilling to repay, or have criminal records.
Need to be reminded that credit information is very important to us. If you register, it is very likely that there will be a global high-risk visa refusal, and personal credit information must be returned in time. If you don't pay off the bill, even if you sell the credit card, it will still be in your bad credit; Credit card overdue, mortgage and other loans should be paid off in time, and overdue loans will be recorded. If it is overdue for more than 90 days, it will be even worse for your personal credit. Banks will score lower when evaluating your personal credit; At the same time, don't vouch for others casually. If others don't pay, it will also affect your personal credit. Therefore, don't think that you can guarantee others without money. You are also responsible for others running away.
Why have all the loans I applied for been rejected?
According to your description, it is impossible to determine the reason why your loan application was rejected. You are advised to call the customer service hotline of China Bank at 95566 for enquiry.
The above contents are for your reference. Please refer to the actual business regulations.
What should I do if the bank loan is rejected? Reasons for refusing bank loans
First, personal credit is not good.
As we all know, after the borrower applies for a loan, the bank will begin to review the borrower's personal credit record. Because the loan requirements of banks are generally high, it is generally difficult to apply for bank loans if the borrower's personal credit is not good. Xiaoxi reminds borrowers that if their personal credit records are bad, they can apply for loans again 12 months and 24 months after the loan, waiting for the bad records to be eliminated, and they also have the opportunity to apply for loans.
Second, the loan conditions are limited.
There are many banks that can lend now, so the loan conditions and requirements of each bank are different. Before applying for a loan, the borrower should understand the relevant policies and requirements of the loan bank and judge whether he meets the loan application standards of the loan bank. Generally speaking, most banks require borrowers to be over 18 years old, with good personal credit and stable occupation and income.
Three, the loan information should be complete.
When applying for a bank loan, you need to prepare complete corresponding materials, including personal information and product certification materials. Xiaoxi hereby reminds all borrowers that the relevant application materials provided by everyone must be true and effective, and don't be clever in front of the bank. It should also be noted that if the borrower has a real estate or vehicle in his name, it is also a plus item for applying for a loan.
Fourth, personal credit score is low.
The audit center of the bank will comprehensively score the borrower according to the application form, loan application materials and personal credit records submitted by the borrower. A low credit score will directly lead to the rejection of the loan. This includes factors such as whether personal information is complete and whether personal credit is good. But because the credit record is fair and objective, it cannot be changed. Therefore, if you want to gain the trust of banks, you can work hard on personal qualification documents.
Verb (abbreviation of verb) is frequently used in a short time.
In addition to the above four points, borrowers who frequently apply for loans from banks are likely to be rejected. Borrowers frequently apply for loans from banks in a short period of time, which will make banks identify them as high-risk and low-credit customers, making it more difficult to obtain loans.
This concludes the introduction of high-risk loan refusal and loan risk control refusal. I wonder if you found the information you need from it?