What's wrong with online lending? It's not expired It's all returned. You can't borrow it.

"Jia Wei Anjie Loan Expert" will answer your questions:

Credit is good, but you can't borrow money The reasons may be as follows:

1, affected by work unit

Under normal circumstances, in order to control risks when judging the qualifications of borrowers, online lending institutions tend to choose applicants who have a reputation background in state-owned enterprises and top 500 enterprises, and the quota will naturally be relatively high. Compared with ordinary wage earners, they have more stable income and higher wages, and their repayment is more secure, so the risk of fraudulent loans and overdue loans is much smaller.

2. Affected by the nature of occupation.

In addition to the unit background, the applicant's own professional attributes will also be within the scope of institutional risk control. Under normal circumstances, the pass rate and quota of applicants engaged in sales positions and service industries are relatively low. The reason is that these people are highly mobile and their income is relatively unstable, so institutions will judge that their repayment ability and repayment reliability are relatively low.

3. Affected by personal income.

Lending institutions mainly review the repayment ability of borrowers according to their income. The higher the income level, the easier it is for borrowers to obtain applications from lending institutions and larger loan quotas. If the borrower's income in the past six months is stable and high, then the loan amount obtained is also high.

In addition to the borrower's wage income level, borrowers who can provide bank payrolls for nearly three to six months are more likely to get loans than borrowers whose wages are paid in cash.

4. Affected by marital status

Although whether the loan application can be approved has little to do with whether the borrower is married or not, the loan amount is related to the marital status of the borrower. Generally speaking, married people get a higher loan amount than unmarried people.

5. Affected by the debt situation.

When applying for a loan, the lending institution will also review the borrower's liabilities. If the debt is too high, the loan amount obtained is relatively low; If you have no debt, you will get a higher loan amount.