Is it normal for Jiangshan Jinfule to enjoy the loan?

Formal application conditions of music loan

1. In terms of age, users must be 18-65 years old, and college students cannot apply. From the perspective of successful users, the probability of successful application is about 22-40 years old, because this age group has been working for several years, which is the career development period and maturity period.

2. There will be requirements for personal income, depending on the local average. If there is no job, the bank should have a fixed income, which makes it easier to apply for approval.

3. As BOC Consumer Finance is a licensed company approved by the CBRC, it needs to check the credit information, and there is no bad record in applying for loans, and overdue loan users will basically be rejected.

4. Because the loan amount of Lexiang is relatively high, the applicant needs to have a property in the local name.

Reasons for Rejection of Lexiang Loan Application

1, property mortgage. Because Lexiang loan is a mortgage consumer loan, it can be refined to the point that there must be real estate to mortgage. Acceptable unsecured real estate, real estate where the commercial bank at the place of application is the first mortgagee, and real estate where the commercial bank at the place of application and the real estate guarantee company are the first mortgagee can be used. If the collateral does not meet the requirements, it is likely to be rejected.

2. Bad credit report. Although Lexiang Loan is a mortgage loan, there are still requirements for credit investigation, and users who fail to pay it back within the time limit and have too many times will be rejected.

There are several main consequences of not repaying the loan:

1, and bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards.

2. Facing various collections from the platform. At the early stage of overdue, the platform will send a text message or call to urge the borrower to repay. If the borrower fails to repay after collection, the platform staff will give the borrower a serious warning.

3. facing legal proceedings. Loans overdue for more than 3 months, the lending institutions will collect loans according to law. If you still refuse to repay the loan, you will bring a lawsuit to the court according to the loan contract and guarantee contract, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.