Will Xingye's household consumption loan be rejected by phone?

How to notify Industrial Bank of the approval of household consumption loans?

Generally, it is called and notified by SMS.

Appendix: Family consumption loan is a loan product of industrial consumption finance, so you will definitely check and submit credit information when applying. When applying for household consumption loans, the review speed is still relatively slow, because the customers who apply basically have return calls, and customers who submit materials must pay attention to answering the return calls. Generally, the return visit will be completed in about three days, and the inquiry during the return visit is still relatively detailed. If the call back is not answered or dialed, the system will always show that it is being audited, and the audit call will be dialed again in the future. If no one answers the phone for many times, it will be rejected and the application can be submitted again if necessary.

Xingye will call the contact person when applying for a household consumption loan, and the probability of calling the contact person is relatively high. At present, many customers who apply for the next payment have called their contacts. Therefore, it is very important for the applicant to explain to the contact person as much as possible. Generally, when returning the phone call of the contact person, he will ask about the relationship between them and the work information of the borrower. It's easy to answer. If no one answers the phone, the contact may be rejected. It is still very important to apply for a home consumption loan and answer the phone.

Family consumption loan is a loan product of Industrial Consumer Finance, so you will definitely check the credit when you apply, and you will definitely check the credit at the meeting after the next payment. If customers with poor credit information do not recommend applying, according to the feedback from customers who apply for the next payment, if the applicant has provident fund or social security, the pass rate will be higher. If there is demand, customers can download it directly empty-handed, and you can see the family consumption loan inside. Just click submit information to apply.

Xingye Consumer Finance did not call and was rejected.

Xingye's consumer loan is rejected, and then you won't call again. If you don't get a call, there is a high probability that you have been rejected, and they won't call you specifically to inform you that you have been rejected. If you apply for an industrial consumption loan and the loan is not rejected, then a special account manager will call the user's phone for review and ask to add WeChat. Of course, Xingye's household consumption loan is directly rejected after submitting the application, and users can choose to apply again at intervals. For users, even if all the loan conditions of Xingye Consumer Loan are met, there is a certain probability that the loan application will be rejected after submission.

Will you inform me if the loan fails?

Legal analysis: Generally speaking, if the loan is rejected, I will call you and tell you that the loan is rejected. For example, for a small mobile phone loan or online loan, the general lending institution will choose to call the lender and tell them that the loan application can't pass, or the loan app will send a message directly from the client to inform the applicant, but there are also calls that will directly tell them that the loan can't pass. In short, the more formal the lending institution and the more standardized the procedures, the applicant will be informed. If you haven't waited for the news, then the applicant should take the initiative to contact. When the bank loan is not approved, it will contact the applicant directly and tell him that he can't apply for a loan. Generally, he will tell the applicant the specific reasons for refusing, leaving the applicant a way out and giving him a chance to apply again. Many people don't care about this cruel death notice phone, and even hang up because the loan was rejected. In fact, this phone call is a key channel for applicants to know the specific reasons for rejection. Applicants should take the initiative to negotiate and ask whether it is possible to change the loan method and loan amount in order to seek loans.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.