Reasons and solutions for the failure of goose spending information audit

We know that to apply for a loan online, you need to submit relevant information first and wait for the platform to review. Only after the data is reviewed can the loan be smoothly released. However, when many small partners applied for loans through Goose, the information review failed. What happened?

What's wrong with Gosling's expenditure information audit? There are several reasons why Goose failed to apply for a loan:

Reason one: the overdue period is serious.

A good credit record is a prerequisite for applying for a loan. Generally speaking, according to different loan types, lending institutions have different requirements for borrowers' credit information. General mortgage loans will require more than three levels of credit information, and credit loans will require more than two levels of credit information; Borrowers whose credit information is seriously overdue are basically unable to get loans. Therefore, you must remember to repay the loan after using the credit card, so as not to cause loans overdue.

Reason 2: Too much debt.

Asset-liability ratio is one of the important factors in loan approval. Most lending institutions have a tolerance of less than 70% when approving loans, and more than 70% will be considered as too high in debt and have a high probability of refusing loans.

Reason 3: Incomplete information.

Many people lack the necessary information to apply for loans, and it is difficult for lending institutions to identify the credit qualifications of applicants, so in order to avoid risks, they often choose not to lend.

Reason four: the bank has insufficient running water.

Bank running water is regarded as an important reference for borrowers' repayment ability. At present, many lending institutions have made specific requirements for the quarterly interest settlement amount of banks in the loan review requirements, and borrowers who fail to meet the interest settlement standards are not allowed to enter.

Reason 5: Frequently check credit records.

Frequently inquiring about credit records in the last six months shows that the borrower has a large demand for funds in the near future and there are potential risks.

Reason six: the loan purpose does not match.

When applying for a loan, we will be asked to explain the purpose and purpose of applying for a loan. If the borrower applies for a consumer loan, but the funds are actually used for production and operation, or the loan funds are used for investing in the stock market and participating in private lending, it will not be approved if it is verified that the actual use of the loan funds is inconsistent during the loan review process.

"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.

Gosling's expenditure information failed to pass the audit. Solution: First, the information is incomplete.

Most people lack the necessary information to apply for a loan, and it is difficult for the loan company to identify the applicant's credit qualification, so in order to avoid risks, they often choose not to lend.

Solution: First, the lender should find out what information the institution applying for the loan requires to submit. Generally speaking, ID card, income certificate and basic personal information are indispensable. And different lending institutions also have special materials.

Second, there is a bad credit record.

Lending institutions will check credit records during the audit. If the applicant has a bad credit record, the lending institution will generally not pass the examination.

Solution: the applicant must first ensure that he has no bad credit behavior as far as possible. Once you have a bad credit record, the applicant can choose to apply for a loan after five years, because the bad record will only be kept for five years, or the loan will be transferred to his home.

Third, non-counterpart customers

Some lending institutions' loan products are specifically aimed at a specific user group, and people who are not from this user group often apply for loans, which will be brushed off when they are audited.

Solution: customers who apply for loans must know in advance who the loan products they apply for are aimed at. General microfinance institutions mainly promote consumer loans, most of which are aimed at young people. Applicants who want to apply for commercial loans will generally be ruthlessly rejected.