What if the bank loan is not approved?

What if the loan is rejected? What if the loan is not approved?

Refusing a loan is not the end of the road, and the correct response after receiving the rejection notice can also make many loan applicants reapply for a loan. Let's talk about what to do after the loan is rejected.

First of all, we must establish a correct and positive concept. It is normal for a loan to be refused. Everyone may receive a loan rejection notice. We should face the loan rejection positively, instead of giving up on ourselves after rejection. The lending institution will inform me if the loan is not approved. At this time, the applicant needs to know the specific reasons for his loan failure in detail and try to solve it through consultation with the lending institution. If the negotiation fails, the loan applicant needs to sum up the lessons of failure and make full preparations for the next loan.

In addition, many friends worry that personal credit information will be affected after the loan is rejected. In fact, credit information will not be collected when the loan is refused, and the lending institution will only collect credit information after the loan is completed and record the lender's loan behavior. Therefore, if the loan is refused during the audit, there is no possibility of credit investigation. Refusing the loan will not cause any adverse effects, because the loan review is confidential, and the information lending institution that the lender applies for the loan is strictly confidential. Refusing the loan will only inform the lender himself. Secondly, the rejection of the loan will not always label the applicant as "poor in qualification", which only shows that the loan applicant is not suitable this time.

So it is not terrible to say that the loan is rejected. As long as we face it positively, we can get out of the predicament and get a successful loan.

Loan review failed.

Users who fail the loan review can call the bank to ask why, and then make some corrections. There is no remedy for the borrower's failure to pass the bank audit in the case of poor credit information. No one can change the bad credit information. At this time, you can choose to try another bank.

If the loan is not approved, it may be that the borrower's debt is relatively heavy. In addition to this loan, the borrower has other repayment burdens; At this time, the bank flow submitted by the borrower cannot meet the requirements of the bank. The best way is to submit a new financial certificate, so as to meet the bank loan requirements in the future.

If the loan is not approved, it may be that the borrower provided false information. Therefore, when applying for a loan, the borrower must submit real information, including ID card information, common telephone number, permanent address, company information, etc. This information will be audited by the bank.

Note: When making a loan, you must think clearly about how to repay it to prevent overdue repayment. Failure to repay on time will affect personal credit information. After the overdue records are uploaded to the credit information center, they will be kept for 5 years and disappear automatically after 5 years.

What if the bank loan is not approved?

If the loan is not approved, we must find the reasons in many ways and then solve the problem according to the reasons.

It is suggested to know the specific situation from the loan bank and find out the reasons why the loan is not approved.

If the loan is not approved, you can find the reason from yourself first.

1. Check whether you don't have the loan conditions stipulated by the bank first. If this is the case, it is recommended to try other loan products of the bank.

If it's not for this reason, you can see if it's because your information is not adequately prepared. If the information is not prepared enough, you can apply for a loan from the bank after you have prepared the information.

3. If there is no problem with the information, check whether there is any problem with the personal credit record, which leads to the failure of the audit.

4. If there is no problem with the credit record, it depends on whether you have cashed in your credit card, whether you have debts or not.

What is the specific process of bank loan approval?

Approval process:

Step 1: The account managers of branches and sub-branches receive customers and conduct preliminary negotiations.

At this stage, the bank account manager will understand the basic situation of the customer and introduce the banking products that the customer may use according to the customer's situation.

Step 2: The customer provides necessary parts and auxiliary parts according to the requirements of the bank.

It is not required to provide complete documents at one time, because each customer's situation is different, and some people need to reissue documents because their household registration books are not local. As long as the evaluation report is delivered and the bank account manager completes the loan file, it can be completed. This can adjust the schedule as a whole and speed up the loan approval.

Step 3: Sign the contract.

Signing a contract and providing requirements are carried out at the same time. Signature refers to the loan contract signed by the customer and the bank, which is quite thick, with more than ten documents and about 20 signatures. There are mainly loan master contract, loan application form, down payment letter (loan sale), mortgage registration power of attorney, single or house detailed statement, bank notice, conversation record (basically multiple-choice question), custody agreement, IOUs, power of attorney for inquiring personal credit information and so on.

In addition, the bank will require customers to open a settlement card or passbook of the relevant bank to repay the land.

Step 4: Inquire the credit information of the lender.

After signing the contract, the bank account manager will immediately conduct personal credit inquiry in the background. This must be signed by the customer when signing the contract (the central bank's regulations on protecting personal privacy).

Step 5: Report for review, or not report for review.

After signing the contract, the account manager will directly report to a qualified evaluation company for evaluation. Provide the other party with a copy of the real estate license and the party's ID card, and evaluate the time for the company to contact the party for field investigation that day. It usually takes three working days from house inspection to evaluation report, and five working days if the report needs express delivery. During this time interval, we have time to supplement the missing documents. If it is a recent transaction before the transfer, the bank will also give an assessment-free treatment according to the situation of the collateral, that is, according to the transaction price of the last assessment.

The evaluation value directly affects the loan amount. For example, the loan amount for mortgage consumption and house purchase shall not exceed 70% of the assessed value and the value of the house purchased (when the policy is tightened, the loan amount can only be 50% or less).

Step 6: the leader signs and the bank account manager hands in the papers.

When all the documents and materials of the lender are completed, the evaluation report is also received. Bank account managers will make papers, double sign them, sign them by leaders, enter them into the system (some banks are entered by examiners), and submit them. Take notes and fill in contracts and documents. Double signing refers to the certificate that two or more account managers or competent leaders with signing authority must sign the document to confirm that the document is complete and the information is true and reliable. Leadership signature generally refers to the signature of the president in charge of the branch.

Generally, the application is made through the return channel between the branch or sub-branch and the branch or the head office, and some account managers dutifully deliver it directly to the examination and approval center. There are also branches of some banks that have the power of examination and approval, that is, they can make their own papers and submit them directly to their superiors for examination and approval.

It should be noted that before the bank account manager double-signs. The contracted account manager will conduct telephone verification, mainly including whether the income in the income certificate submitted by the lender is true, whether the company telephone number is true, whether the contact information is correct, and some will check the company information online. Now there are several more items, such as inquiring about the property status under the name of an individual and so on.

Step 7: The branch approval center or the loan auditor with the approval authority of the branch shall conduct the approval.

Pre-loan approval is divided into two steps, first instance and final instance.

The examiner mainly reviews the integrity of the data in the file and makes a second telephone verification. Investigate the authenticity of data, provide the reliability of documents, and give preliminary opinions according to the materials submitted by customers and the credit rating of customers. For example, the loan period, interest rate, loan amount and so on that can be given in line with the policy.

The final assessor mainly reviews and judges according to the logic and authenticity of the data in the file. Generally speaking, the final decider is a very experienced clerk. Whether there is false information and whether the customer has the repayment ability can basically be judged. The final opinion given by the judge is the final opinion. If it is passed, a loan approval letter will be issued. The loan approval letter is generally electronic, and the branch can issue a written loan approval letter according to the specific situation.

The work of loan review is very complicated, and it is necessary to conduct risk review according to various regulations. There are many conditions for audit, mainly including contract law, banking law, real estate management law, property law, urban planning law, civil law and so on.

Step 8: Pass the examination and approval, register the mortgage, and get a loan from the bank.

Now the account manager will ask the lender to go to the Construction Committee or the Real Estate Bureau for mortgage registration. For example, Chaoyang Haidian can basically complete it on the same day. After receiving the mortgage certificate issued by the Construction Committee, the bank will return to the branch for filing and make a loan, which is generally completed by the accounting department.

Step 9: Post-loan management.

After the bank releases part of the money for targeted use, it will ask the lender to provide proof of the use of the money. The time is basically within one month after the loan is issued.

What should I do if the loan application is not approved? Three steps to teach you to "turn the corner"

The failure of loan application is something that most friends don't want to face, because it means that they can't solve their own difficulties and their credit can't be recognized. What if the loan application fails? Here are three steps to teach you how to apply successfully.

The first step is to establish a correct concept of loan.

First of all, we should establish a correct concept of loan and understand that it is very normal for a loan application to fail. Applicants should first overcome their psychological state and not be too worried about being rejected again, otherwise the review process will be another ordeal. When applying for a loan, you should put your mind at ease, show your financial ability generously, and express your willingness to lend reasonably, and be neither humble nor humble. I believe that lending institutions will not leave high-quality customers unattended.

The second step is to understand the reasons why the loan application is not approved.

After the loan application is not approved, the first thing to do is to understand the reasons for the loan rejection, and you can take the initiative to contact the lending institution to understand the reasons. It is more important to find the problem by yourself. Some lending institutions won't tell you the real reason for rejecting you. Therefore, rational analysis of the reasons for refusing loans can prepare for the next attack.

The third step is to fill in the shortcomings and attack again.

After understanding the reasons why your loan application failed, we should actively solve these problems. If the loan application fails, the reasons can be changed, such as incomplete information, unclear loan purpose, and too little bank flow. During this period, the applicant can make full preparations and pay attention to the details in the next application to get a loan. If there are some factors that are difficult to change in the short term, such as the stain on the applicant's credit record, no income certificate, etc. Then the applicant can only wait for the credit record to be cleared and have a stable job before applying.

What if the bank loan is not approved?

The failure of bank loan audit is generally caused by the following reasons:

1, personal credit is not good. Personal credit information is the primary standard of bank loans. In particular, bank credit loans have higher requirements for borrowers' credit information, and borrowers' credit information is slightly flawed, which easily leads to the failure of bank loan approval. In addition to borrowers, bank mortgage loans also have certain requirements for collateral.

2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability. The bank loan application is not approved, largely because the borrower's personal income level can't meet the repayment amount, or the borrower has not paid off several loans, and the credit situation can't meet the repayment requirements, so the probability of applying for approval is very small.

3. The personal debt ratio is too high. Generally speaking, the reasons for the failure of handling bank loans are not only the lack of stable jobs, but also the borrower's personal debt ratio is too high. How to judge personal debt ratio? Under normal circumstances, the bank's assessment standard for the debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, banks will refuse to lend.

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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

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What if the loan approval fails after online signing?

What if the loan approval fails after online signing? The failure of loan approval after online signing can be solved in the following ways:

1. Remedial loan.

If you can't pay the down payment of the loan, you can talk to the bank staff to find out why your loan has been delayed.

If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared.

2. change banks.

What buyers need to know is that different banks have different regulations and audits on loan conditions, so if buyers apply for the first bank but have no feedback, they may wish to change to another bank.

3. Find a guarantee company.

If some property buyers really have poor qualifications, but especially want to buy this house, they can find a loan from a guarantee company at this time.

It should be noted that the cost involved will be higher than that of direct bank loans.

Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses.

Article 590 of the Civil Code of People's Republic of China (PRC) stipulates that if the contract cannot be performed due to force majeure, the liability shall be exempted in part or in whole according to the influence of force majeure, except as otherwise provided by law.

If the contract cannot be performed due to force majeure, the other party shall be informed in time to reduce the possible losses to the other party and provide proof within a reasonable time.

If force majeure occurs after the delay in performance, the parties concerned shall not be exempted from the liability for breach of contract.

Article 591 stipulates that after one party breaches the contract, the other party shall take appropriate measures to prevent the loss from expanding; If appropriate measures are not taken to expand the losses, no compensation may be requested for the expanded losses.