So, let's take a look today. What is the letter trial and trial? Find out this problem, you will know why you were refused a loan, and you will know how to pass the credit audit smoothly next time.
1. View the credit report
Credit investigation is the most important content of credit review, which mainly reviews two aspects:
Whether it is overdue: there is a term called "three times in a row, six times in a row", which means that it is overdue for three months in a row, or more than six times in a year, and basically 100% refuses to lend money;
Whether to inquire about credit information frequently recently: If a customer frequently inquires about credit information recently, it means that he is short of money recently, or has applied for a loan from a number of lending institutions, he will judge that the risk is relatively high and refuse the loan.
Therefore, before submitting the information, the credit manager must first review the customer's credit information, and if problems are found, immediately ask the customer if there are reasonable reasons.
2. Check whether the information is true.
In addition to credit investigation, it is also necessary to review the basic information such as the customer's ID card information, income status, work and residence.
So we must ensure the authenticity of the basic information. It doesn't matter if the qualifications are not good enough. As long as the cooperation is good, it is still possible to grant loans.
3. Check whether there is repayment ability.
Bank running water is the most direct proof of a person's repayment ability, so bank financial institutions will focus on auditing, which I think everyone knows. The credit review will also calculate the customer's income and expenditure according to the bank's running water, thus obtaining the debt ratio. Generally, the debt ratio will not exceed 70% to pass.
4. Review the willingness to repay
No matter how qualified a bank is, how much water it has, and how high its repayment ability is, if it is an "old-timer", it is no use not wanting to repay. Therefore, the credit review mainly depends on whether the customer's previous loan repayment is normal.
In fact, bank lending institutions will not deliberately make things difficult for customers. As long as there are no problems in the above four points, they will certainly be able to pass. There are many conditions for credit loans, such as provident fund punching, real estate insurance policies, sports cars and so on. , can be used as the conditions of credit loans, different conditions have different interests.