What should I do if I can’t get a loan? Hot topics and solutions on the entire network in the past 10 days
Recently, the problem of difficulty in loans has become a hot topic in social platforms and financial forums. Many users have reported that they have been rejected frequently for loan applications, especially in the fields of consumer loans, mortgage loans and small and micro enterprise business loans. This article will combine the hot data of the entire network for nearly 10 days to analyze the reasons for the rejection of loans and provide a structured solution.
1. Analysis of hot data on loan rejected in the past 10 days
| Topic Type | Discussion count (items) | Main feedback channels | Concentration issues |
|---|---|---|---|
| Mortgage approval | 28,500+ | Weibo/Zhihu | Inadequate income certificate and failure to meet the standards |
| Credit loan rejected | 42,300+ | TikTok/Post Bar | Too many credit inquiries and high debt ratio |
| Small and micro enterprise loans | 15,200+ | Professional forum | Low tax rating, unsecured property |
2. Five core reasons for loan rejection
1.Credit issues: Nearly 35% of cases show that there are overdue records of credit reports or multiple hard inquiries in a short period of time (financial institution query records). A user reported: "Application for credit loans from 6 banks within one month, all of which were rejected."
2.Excessive debt ratio: When the monthly payment of existing loans exceeds 50% of the income, the system will automatically intercept it. Data shows that such cases account for 27% of rejected cases.
3.Incomplete information: 15% of applications were rejected due to lack of social security/providence fund records and discontinuous bank statements.
4.Industry restrictions: Some high-risk industries (such as education and training, real estate intermediaries) have been included in the bank's risk control list.
5.Tighten policy: Recently, regulatory departments in many places have required banks to control the growth rate of personal credit, and the pass rate of some products has dropped by 20-30%.
3. Structured solutions
| Question Type | Instant response | Medium- and long-term improvement |
|---|---|---|
| Poor credit report | Apply for a mortgage loan | Keep it for 12 months without overdue |
| High debt ratio | Apply for debt restructuring | Increase income or repay in advance |
| Incomplete information | Supplementary tax proof | Continuous payment of social security provident fund |
4. Alternative hotline ranking
The three most discussed alternatives in the past 10 days:
1.Credit Union Loans: The threshold is low, but it should be noted that the annual interest rate is generally 1-2% higher than that of commercial banks.
2.Policy pledge loan: 80% of the value of the loanable cash that can be held for more than 2 years.
3.Friends and relatives and loans together: Sign an electronic IOU on a regular platform and agree on legal interest.
5. Important reminder
Recently, there have been many "packaging credit reporting" frauds. Police in a certain place have reported that some fraud gangs have committed crimes by forging bank statements. Be sure to apply for a loan through formal channels. If you encounter "pre-term charges" and "internal channels" and other rhetoric, you should call the police immediately.
If you need professional help, you can log in to the official website of the People's Bank of China Credit Reporting Center (https://ipcrs.pbccrc.org.cn) to check your personal credit report, or call the 12378 China Banking and Insurance Regulatory Commission hotline for consultation.
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