Let's talk about the splits, a micro-credit product that may be familiar to everyone. It is so popular in the market, especially when we need to borrow. But have you ever had a problem with your application being repeatedly rejected? That may be for several reasons。

What's going on with the split loan audit

First, there is a personal credit problem. Attention is drawn to the fact that periodic music is a consumer credit product, which mainly refers to credit data of users during the approval process. Those who are creditworthy are successful in obtaining funding. If your credit reports reveal problems such as overdue or bad debts, this may reduce your success rate in the application。

SECOND, YOUR DEBT RATIO IS TOO HIGH. IF YOUR CURRENT LIABILITY RATIO EXCEEDS INCOME OF 50%, THIS MEANS THAT YOUR REPAYMENT PRESSURE IS HIGH. BANKS MAY THINK YOU'RE A HIGH-RISK USER, SO YOUR BORROWING MAY BE REJECTED。

Third, you have overdue payments. It'll check your credit position when you review the loan. If you are found to have outstanding payments, it will doubt your ability to pay and may reject your application。

Fourth, you've been searching too many letters. If you apply for credit cards or loans frequently, this may leave many search records. Such a record would have a negative impact on the outcome of your approvals by giving the Schedulings the impression that you are financially strained and unpayable。

Finally, you may have used money for irregularities. The money for the band is used only for daily consumption, not for investment or for financial management. Once you have diverted the funds, if they are found, you may be constrained to borrow。

So, what if you're rejected? First, the debt ratio should be minimized. For example, when applying for multiple loan products at the same time, it is advisable to pay off other loans before submitting an application. Secondly, there are attempts to improve personal information, such as occupation, education and income. Some asset information can be uploaded, and in many ways self-expression can increase the likelihood of successful lending. It should be borne in mind that the information submitted should be accurate and detailed and that the submission of false information would be futile. Finally, if you have a problem with your credit report, you may have to wait patiently for it to be repaired before submitting a loan application。