1. Bad personal credit record: Nuo Nuo Mathematics Department will evaluate it according to personal credit record. If the applicant's credit history is poor, the loan will be rejected.
2. Insufficient income: The Department of Mathematics of Nuo Nuo will evaluate the repayment ability of the applicant according to his income. If the income is insufficient, the loan will be refused.
3. Incomplete or incorrect application materials: If the application materials are incomplete or incorrect, the loan will be rejected.