Why did Bank of Communications Huimin Loan receive SMS or be rejected? This is the root cause!

; ? A friend applied for Bank of Communications Huimin Loan after receiving an invitation message, but found that the loan was refused. Everyone came to ask why the Bank of Communications Huimin loan will still be rejected after receiving the text message. Here, I will give you a detailed explanation of the reasons.

Generally speaking, the person who received the SMS invitation from Bank of Communications for Huimin loan just passed the preliminary examination of the system, which does not mean that he can definitely meet the lending standards. After everyone formally submits the loan application, the Bank of Communications Huimin Loan Association will make a comprehensive evaluation of everyone's comprehensive credit situation. Only those who meet the comprehensive credit standards will really get the credit line.

Judging from the past, there are three main reasons for the lack of comprehensive credit evaluation. These three are:

1. Everyone has overdue credit cards and loans overdue, which brings negative records to their credit records. As a pure credit loan, Bank of Communications Huimin Loan will say "no" to borrowers with poor credit information.

2. After the understanding of Bank of Communications Huimin Loan, the borrower's current liabilities are already relatively heavy and may not be able to bear new liabilities. For those who may not be able to repay on time, they will naturally be refused loans by Bank of Communications Huimin Loan.

3. The borrower's current income is not very stable, and there is a risk of not being able to repay in full and on time. In order to ensure the safety of the loan, the Bank of Communications Huimin Loan Association rejected everyone's loan application.

Above, let me introduce why the Bank of Communications Huimin loan will be rejected after receiving the text message. Generally speaking, the lack of comprehensive credit evaluation is the root cause of rejection.