What are the reasons for non-performing loans? What should I do if I go to the bank for a loan?

Advanced consumption is the main consumption of modern young people. In order to buy something you like, it is usually a loan. However, not everyone can get a loan, and some people can't get a loan. Let's look at the reasons for the bad loans in Bian Xiao. By the way, what if the loan is not good? What conditions do you need to get a bank loan?

1. What are the reasons for non-performing loans?

What are the reasons for non-performing loans? The reasons for non-performing loans are mainly related to individuals, such as low income of lenders, incomplete loan information, insufficient collateral, and poor personal credit information. The following is a detailed analysis.

1, the lender's income is low.

Ordinary banks or lending institutions can directly prove the key to the borrower's repayment ability when investigating the lender's income. If the borrower's income is low, the general audit department will think that this person's repayment ability is insufficient, and in order to control the risk and ensure the smooth recovery of the loan, the application will be rejected.

2. The loan information is incomplete.

When applying for a loan, the borrower accidentally fills in the loan information incorrectly, and may be refused the loan because the information is incomplete or cannot be verified.

3. Insufficient collateral

When a borrower applies for a mortgage loan, not only the borrower needs to meet the relevant loan conditions, but also the collateral needs to meet the loan conditions. If it is not satisfied, it is also impossible to apply for a mortgage loan.

4. Personal credit information has no number.

When applying for a loan, the auditing department has strict requirements on the borrower's credit information. If the borrower's credit information is poor and overdue for more than three times in the past two years, or overdue for more than six times in total, the loan will not be easily issued.

Second, what if the loan is not good?

What if the loan is not good? There are many cases of bad loans, so it is necessary to analyze the specific reasons and formulate corresponding solutions.

1, bad credit information.

People with poor credit information can apply for loans from financial institutions after their bad credit records are automatically deleted. If you need money urgently, you can borrow from a lending company, but the interest you need to bear is very high.

2. Incomplete information

For people with incomplete information, it is necessary to improve and correct their own relevant information to make it true and effective. With the advent of the era of big data, personal information cannot be tampered with, otherwise it will only be self-defeating.

Step 3 find a part-time job

You can also increase your personal income by looking for a part-time job, pay off some debts in a short time as much as possible, and reduce debts. In addition, you can temporarily transfer part of your parents' property to your own name to increase your wealth, so as to pass the bank's audit.

3. What are the conditions for obtaining a bank loan?

What are the requirements for bank loans? No matter which bank you borrow from, you need to meet certain basic conditions and prove your repayment ability at the same time.

1, age requirement

A natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability shall have a valid residence certificate;

2. Housing requirements

(1) The down payment shall be paid in full;

(2) The borrower agrees to use the purchased house and its rights and interests as collateral;

(3) The property right of the house purchased by the borrower is clear and meets the conditions stipulated by the government for entering the real estate market;

(4) The house purchased by the borrower is not within the scope of the demolition announcement;

3. Income requirements

Must have a stable legal income and the ability to repay interest;

4. Others

Other conditions required by the lending bank.

The above is about the reasons for bad loans, what to do with bad loans, and what conditions are needed to get bank loans. I hope I can help you!