Why is it getting harder and harder to get bank loans? Why is it so difficult to get a bank loan?

The reason for this is the following：

The reason for this situation is that banks do not attach importance to SMEs, and some customers lack professional loan knowledge, because banks are mainly large enterprises and do not want to waste too much time on SMEs. At this time, if small and medium-sized enterprises have professional loan knowledge or the help of professional financial service institutions, the probability of passing the loan will be greatly improved.

In short, the development of small and medium-sized enterprises can not be separated from the support of banks, but the long and complicated loan process and difficulty coefficient are a drop in the bucket for small and medium-sized enterprises. Due to the difficulty of bank loans for small and medium-sized enterprises, the goal of small and medium-sized enterprises has turned to private lending, but private lending is risky and many lending companies are not qualified.

In order to effectively solve the financing difficulties of small and medium-sized enterprises, the Premier of the State advocates vigorously developing internet finance, and the government has also issued a series of policies for strict supervision.

Why do bank loans always fail? These are the main reasons!

Nowadays, many people choose bank loans as soon as they encounter financial problems. The main reason is that the bank loan interest is low and safe. However, due to the high threshold, people often fail. Why? Today, let's make a brief introduction.

1, income is too low.

Bank loans need to provide wages and proof. Many people earn less than 2000 yuan, and their applications will definitely not be successful, unless they are products with relatively high interest rates and low thresholds, so everyone should first raise their wages.

2. River bank flow

If it is difficult to raise wages in a short time, or if you are self-employed or engaged in business, you can choose to deposit the same amount of money in the same bank card at a fixed time every month, and some banks with low thresholds also recognize this flow.

3. Credit information stain

Generally speaking, if the loan is overdue within 90 days or once or twice occasionally, you can still apply for a loan, but you must be cautious. Once it is overdue for three times in a row or six times in total, it may have adverse effects and lead to the rejection of the loan.

4, high-risk occupation

Banks also attach great importance to work units, and civil servants, teachers and doctors will be more popular. Other occupations, such as drivers, cooks, construction workers, coal miners, aerial workers and even flight attendants, will be classified as high-risk occupations that are not suitable for applying for loans.

5. The number of applications is too frequent.

At present, many internet credit platforms will check credit information. If there are too many small loan application records in the credit record, the bank will think that your default risk is high and your personal qualification is problematic.

Why is the loan so difficult to pass? There are many reasons!

Speaking of applying for a loan, although the threshold for online lending is not particularly high now, not everyone can borrow it if they want, and there will be certain loan requirements. If you go to a state-owned bank, the threshold for borrowing money is not low, and some loan products are open to big customers. Why is the loan so difficult to pass?

Why is the loan so difficult to pass?

1, the number of loan platforms has decreased, and the loan review has become stricter.

In recent years, the state has been guiding the steady development of the credit industry, and has made clear provisions on loan interest rates and collection. Many non-compliant loan platforms are offline, and there are fewer loan channels. In addition, in order to control risks and maintain profits, lending institutions have stricter requirements for borrowers.

2. The borrower's work or income is not good.

If the borrower does not have a stable job, income source, or is engaged in high-risk industries, it is difficult to meet the requirements of lending institutions, and it is easy to fail the audit.

3. The borrower's credit status is poor.

If there are many overdue records on the borrower's credit information, or there are overdue loans at present, it is easy to be rejected if you want to apply for a loan. It is suggested that when you use credit products, you should maintain good repayment habits and safeguard your credit information.

In addition, if borrowers are in urgent need of funds and apply for loans on multiple loan platforms, resulting in too many hard inquiries about credit reporting, lending institutions will feel that borrowers' cash flow is tight and their repayment ability is worrying, so they are unwilling to approve loans.

4, long-term loans, debt ratio is too high.

If the borrower has a lot of loans in his own name, or the credit card line takes up too much, which leads to his high debt ratio, it is difficult to apply for loans smoothly.

Why the loan is so difficult to pass depends on the development of the credit industry and the comprehensive qualification of the borrower. In difficult times, everyone needs to spend more time to choose the loan products that suit them.

Why is it difficult for individuals to apply for bank loans?

I believe most of my friends have encountered it, but basically 90% of my friends have failed to get loans, so why is it getting harder and harder to get loans from banks? I don't know if this will only get harder and harder.

Excuse me, have you ever borrowed money from the bank?

Yes, but it didn't work?

Why didn't it work?

Can't handle it! Can't wait!

When it comes to money, maybe the first thing you think of is the bank. Because banks have a lot of money and deal with banks, they will naturally think of banks. But many friends may have this experience: it is very difficult to borrow money from the bank!

The first reason: because of the high demand and low cost of bank loans, it is biased towards customers with better qualifications.

Bank loans are recognized as high-quality and low-cost funds. Compared with private lending labeled "",banks are the hot potato in the eyes of lenders. Not only is the interest rate low, but even if it is not paid back for one day, the worst result is that the assets will be confiscated by the bank, and there will never be a phenomenon of profiteering collection.

So many people are scrambling to get loans from banks, and those who are not qualified can only be turned away.

Reason 2: Banks strengthen mortgage review.

2065438+On May 8, 2007, the Banking Regulatory Commission of official website and China issued the Notice on Printing and Distributing the Guidelines on Collateral Management of Commercial Banks, which clearly incorporated the management of collateral into the comprehensive risk management system, which also means that the bank will be more strict in the review of mortgage in the future and it will be more difficult to handle mortgage.

The third reason: the credit is shrinking and the overdue cost of customers is too high.

With the Federal Reserve raising interest rates, countries including the Bank of China began a new round of credit contraction.

For banks and other financial institutions, the risk of credit loans is very high.

On the one hand, enterprises cannot repay bank debts due to poor management and other problems in the competition. Once the ratio of non-performing assets rises, it may even trigger a bank credit crisis.

On the other hand, in the economic downturn, the bank's credit capacity is insufficient, so it is necessary to adjust the credit plan according to the actual situation to ensure the healthy operation of its own mechanism. If there are too many stains on a person's credit, then under such circumstances, if you want to go to the bank for a loan in the future and enjoy the conditions of low interest and high quota from the bank, you will naturally be rejected! These are the reasons for the bank. Let's talk about the reasons why personal reasons will lead to the rejection of bank loans.

Reason 1: Poor credit record is the "economic identity card" of modern people. In China in the future, the influence of personal credit records is far more than loans, and employment, job hunting and studying abroad are almost all related to it. If the credit record is poor, it is naturally the fatal wound of the loan.

The third reason: I have never applied for a credit card or loan, I have no bad credit record, my salary is normal, and I have no debt under my name. Why am I refused a loan? Because credit record is an important evidence to judge a person's credit quality, credit institutions often have to think twice before acting.

The fourth reason: wage earners without wages are favored by lending institutions because their wages are a powerful and labor-saving basis for examination and approval. But relatively self-employed or freelancers, regardless of actual income, running wages make them very embarrassed.

The fifth reason: high debt ratio, personal debt situation may be second only to credit records, because lending institutions also need to avoid their own bad debt risk, so if the debt is too high, the loan application is likely to be rejected.

The sixth reason: each lending institution will plan specific products for specific groups and make comprehensive consideration, such as special loans for civil servants, loans for doctors or loans for teachers. If you don't meet the professional requirements, you can't enter the exam naturally.

The seventh reason: it is a "hidden rule" for financial institutions to screen loans for risk control, mainly considering the uncertainty of repayment caused by industry risks.

The eighth reason: short working hours. Some loan products have preferential quotas and interest rates, but on the other hand, they not only require running wages, but also stipulate certain working years or operating years on this basis.

The ninth reason: age. Some lending institutions seek stability and refuse loans on the grounds that applicants are too young or too old, which leads to hidden dangers of repayment.

The tenth reason is that there are too many credit inquiries, mainly credit card inquiries, loan inquiries, frequent application for credit cards, frequent application for loans and frequent online loans, which will affect the number of credit inquiries, including flowers and micro-loans. Many lending platforms will affect your bank loans.

Whether it is credit loans, enterprise credit loans, mortgage commercial loans or mortgage consumer loans, banks mainly pay attention to the following categories.

One is the income of the borrower; Second, whether the borrower's job or company is stable; Third, the borrower's personal debt or company credit rating; Fifth, whether the company's running water or personal running water is stable; Sixth, the assets under the name of the borrower or individual; Seventh, whether there are legal proceedings, enforcement or property under the name of the borrower or company; Eighth, the tax situation of enterprises; Ninth, the borrower's.

To tell the truth, there are not many friends who can meet all the conditions, so what should I do if I want to use the funds but the bank can't lend them?

Many friends don't have bank loans. After a financial intermediary contacts you, your first feeling is that the bank can't get a loan. Can I get a loan? Must be a liar. Well, most of my friends will think that you just took me to the bank. Why do you charge me for my service? What did you do?

What I want to say is that you can only see what you see in front of you, but you can't see that we can connect with the bank for you, make an appointment with the bank and guarantee the bank according to your situation. Each customer may have five or six questions that do not necessarily meet the requirements of the bank. At this time, we need the account manager of the corporate bank to talk to the president of the bank, sometimes several times, and show the documents to the bank. We are trying our best to solve the problem for our customers and let them enjoy the lowest interest rate of the bank to avoid it. Therefore, I think whether it is through an intermediary or by myself, or the bank's funds need to be more assured.

The most powerful products of the company's agent bank can be seen.

First, unsecured credit loans

You can operate if you have a job and income, and you can apply for an annualized interest rate of 3.85%. Both husband and wife can apply for 6 million. Pure credit loans are not mortgaged, and interest can be paid first, which is not included in credit and debt.

Second, the enterprise unsecured credit loans

Companies that pay taxes of more than RMB100000 yuan a year can apply for unsecured credit loans of RMB 6.5438+0-20 million yuan from banks, with an annualized interest rate of 3.65%, and the maximum for high-tech enterprises is RMB 40 million yuan. If it has assets in its name, it can apply for interest reduction without mortgage. You can repay the interest first and then the principal, or you can repay the loan in advance.

Third, if you have a house, you can apply for a mortgage loan, with a maximum of 40 million yuan for a single set and an annualized interest rate of 3.85%. Shops, office buildings, semi-underground, commercial and residential buildings, partitions, businesses, affordable housing, military products, real estate under the company's name, all real estate that can be listed and traded can be operated, and there is no company to operate. The borrower is over 69 years old and can operate for 45 years at the longest, regardless of the current housing situation.

Why is it difficult to apply for a bank loan? Maybe you won these!

There are bank outlets all over the country, and everyone can handle financial business with identity information. However, some users said that it was difficult for them to apply for bank loans and they were rejected every time. What happened? You may have won these reasons.

1, industry restrictions

Your occupation may affect the loan approval. Because the criterion for financial institutions to issue loans is that they cannot flow into the entertainment industry or industries with overcapacity, if you are an individual or enterprise engaged in beauty salons, KTV, bathing, steel and paper industries, it is more difficult to apply for bank loans, and some banks will have restrictions unless you don't look at professional mobile phone credit loans.

Step 2 vouch for others

People in China pay the most attention to human feelings. Some people, in order to save face, easily lend money to others as guarantors, and as a result, they are in trouble. If the borrower is unreliable and the loan is not repaid at all, then you will be greatly affected, and the guarantor's responsibility is also great, which may lead to fire.

3. Poor credit

If you are frequently inquired by many financial institutions for reasons such as "loan approval" or "credit card approval" in a short period of time, and there is no record of successfully applying for a loan or handling a card, the bank will think that you are in urgent need of funds, and some conditions do not meet the requirements, and the risk of default is greater.

4. White family loans

Some people think that they have never handled financial credit business, their credit is spotless and their loan success rate will be high. In fact, it is easy for such a credit white household to be refused a loan. The main reason is that there is no credit record for reference, and the bank lists you as a risk user. From the perspective of risk control, it is understandable to be refused a loan.

Why can't the bank loan pass? The reason came out!

Nowadays, many people choose to start a business, which will require a lot of working capital and start-up capital. Bank loan is a good choice because of its low interest rate, high quota and safety. However, the bank loan application threshold is also relatively high, and it is easy to be rejected. Why can't it pass? Today, I will take stock of several reasons for you.

1, the age does not meet the requirements.

In fact, many bank loans have strict age requirements, which must be met, and the pass rate will be higher within a certain age. The age of the borrower is generally between 18 and 60 years old. Old people get sick easily. Once sick, family expenses will inevitably increase greatly. Young people have just joined the work, their income is still unstable, and there is a risk of being unable to repay.

2. Inconsistent credit information.

Don't think that no overdue is a good credit report. For "white households", banks are very cautious, because they can't judge your integrity, so banks with strict risk control will directly refuse.

In addition, after the rise of Internet finance, many people will use Internet financial products such as loans and micro-loans, which leads to frequent credit records inquiries and has an impact on bank loan approval.

3. High debt ratio

We can see some liabilities from the credit report, such as guarantee and credit card installment. Experienced account managers can ask other general information by innuendo, and judge whether you have repayment ability according to your income.

To sum up, any bank welcomes people with good reputation, certain economic strength and hard work.

The introduction of why bank loans are so difficult and why bank loans are becoming more and more difficult ends here. I wonder if you have found the information you need?