For those who need to apply for a loan, the pre-trial process does not represent an application for the amount of the loan. Some of them, after a pre-trial examination, found that they did not have enough loans and had to go to the bank to sign up. So, what's the reason why Min-Sung Bank went through the pre-trial and signed it

You don't have enough time to sign a warrant

First, this relates to personal letters. Letters are an important indicator of a person ' s credit risk, and if there is a bad credit record, such as overdue payments or arrears, the bank ' s examiners consider that the person ' s credit is unreliable and difficult to pre-screen and obtain a loan line. As a result, it is easier for well-documented people to obtain more credits when applying for loans。

Second, the bank's wind control mechanism is also an important factor. In the course of applying for a loan, the bank determines the applicant ' s ability to repay through an assessment of the applicant ' s occupation, income, assets, etc. If it is assessed that the person ' s repayment capacity is not stable, the bank limits the amount of the loan or refuses the loan application. It is therefore possible to better communicate with lenders through face-to-face, and banks are able to assess more fully the repayment capacity of lenders。

Finally, an additional factor affecting the loan line is interest rate policy. As macroeconomic changes and policy adjustments take place, the interest rate on bank loans will also change. Thus, if lenders choose to obtain amounts in advance through pre-trial, they may be at risk of rising interest rates when face-to-face. Thus, some would choose to choose the loan line on face-to-face to allow for a more favourable interest rate。

In general, the lack of access to the pre-trial examination may be the result of a combination of personal letters, bank controls and interest rate policies. Creditors should make decisions on their own circumstances and choose a more appropriate form of lending。