How can I know what's wrong? Where can I check?

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

The loan was rejected by seconds? See if it is on these blacklists!

1. Credit blacklist

If the borrower's loan or credit card is overdue and recorded in the credit report, the probability of rejection will be great.

In addition, in addition to the central bank's credit reporting, some platforms also include sesame points.

2. Blacklist of online loans

It is understood that many financial institutions have opened anti-fraud platforms. In other words, the overdue or other bad records you left on Platform A can be found by Platform B through network sharing, so Xia Jie tells you that it is impossible to make new loans by "hiding bad loans".

3. Industry blacklist

Lending institutions are forbidden to enter industries, most of which involve high risks. From the perspective of risk assessment, they refused to lend to this group of people.

What are the prohibited industries? For example, cement, photovoltaic, chemical industry, steel trade and other industries with overcapacity, high pollution and high energy consumption, as well as high-risk industries such as entertainment and real estate.

4. Blacklist of companies

For example, transportation companies will include drivers who have violated the rules seriously in the past in the "refusal list", and the loan industry also has its own "blacklist of companies".

For example, borrowers who are extremely uncooperative in the process of applying for loans, people who maliciously cheat loans, people who forge materials, people who abuse or beat staff, and so on. These people will be blacklisted by some lending institutions. As long as they apply for loans, they will be rejected every second.

5. Court blacklist

Generally, it refers to the person who has broken his promise, also known as Lao Lai, and mainly refers to the following personnel:

6. Regional blacklist

From the observation of historical records, it can be seen that borrowers in some areas are prone to centralized overdue or non-repayment. Therefore, many credit companies will have concerns about this area, and will blacklist areas where records are overdue, non-repayment, fraudulent loans, etc., and customers belonging to this area will not be dealt with.

Some borrowers on the "regional blacklist" feel aggrieved and think that there is something wrong with the practice of "killing with one stick" by lending institutions, but the most important thing for lending institutions is to control risks. So basically, they will review the qualifications of borrowers on the principle of "I would rather kill one thousand by mistake than let one go".

7. Freeze the blacklist

If the borrower is involved in litigation, the individual's bank account may be frozen; If some people violate the relevant government regulations, their bank accounts may be frozen.

In this case, the lending institution will think that your solvency is limited and your lending risk is high. Generally speaking, no institution will lend money.