Introduction
Financial consumption, leasehold market offerred a lot of convenience sexes to people, nevertheless, still have one part person by close the door on, and major reason goes out to go up in your report that sign a letter.
The historical loan record that asking for those who believe report is borrower and reimbursement are recorded, financial orgnaization can judge the apiration of borrower future and ability according to the history. Before all financial orgnaizations ask borrower applies for loan, must provide the report signing a letter of own near future, if need not offer the orgnaization that borrows money to you, do not think too much, that is usurious absolutely.
The thing goes to because of,have surely, applying for loan always is by refus, 99% it is these reasons.
One, ill will is defaulted, exceed the time limit
Because near future financing is tight, still go up temporarily money, a lot of people think the chance that can get the reimbursement when the bank is allowed, default actively, exceed the time limit, think to won't go up so sign a letter. This kind active model default belong to baleful exceed the time limit, affirmation signs letter report on the meeting.
The bank is to the definition of baleful exceed the time limit: Detinue, overdraw to the forehead is spent and exceed period did not return, classics bank urges the action that after closing, still did not remand.
Help:
Encounter situation of reimbursement exceed the time limit, besides paying off debt actively, still need to be communicated actively with the bank, blame is active model default (be away on official business in abroad cross issue of system of condition reimbursement, bank to wait) , can look for relevant bank to open proof of exceed the time limit of ill will of a blame, after such ability won't affect you, application borrows money.
2, indebted than exorbitant
If your salary has 5000 only, every month when application borrows money needs to return 4000 yuan, loan orgnaization won't pass your loan application.
Generally speaking, the family always is in debt than 50% the following, loan orgnaization just agrees with loan. But of every loan orgnaization indebted more different than the regulation, what you can study each loan orgnaization first is indebted than, go applying for oneself again reasonable evaluate can obtain batch of foreheads to spend.
Settle way:
Before 1. is applying for loan, the indebted circumstance that asks reasonable him analysis, proof there is loan on the letter / credit card records can shift to an earlier date appropriately reimbursement, reduce indebted.
2. offers extra income proof to loan orgnaization.
3, ask for a letter to be inquired overmuch
The fine that sign a letter withholds an individual to ask for a letter to inquire a record 2 years, and what financial orgnaization takes a fancy to is to be in these two years, current application loan is close 3 months are exceeded 6 times by inquiry frequency, it is loan is examined and approve and credit card examines and approve inquiry entirely (perhaps assure again) , so fixed when application by refus.
Settle way:
If there is capital requirement recently, must not try application of much home bank. The first, silver-colored guild decides according to inquiring a record you special lack cash, locate to your loan risk thereby extremely tall; The 2nd, although many application looks suddenly under the forehead spends more, but the meeting when reimbursement causes exceed the time limit because of cash shedding pressure, the loss outweights the gain; The 3rd, do not want defy the law, the conditional apply mechanically that uses oneself the product of each finance orgnaization, waste time not only so, can affect oneself more sign a letter, asking to be clear that whether the product is right please oneself, make application again.
4, assure for other a huge sum
Assure for other debt also signs letter report on the meeting, this kind of circumstance and him loan do not have what different, the most painful is you much the pen is indebted, did not use money to give birth to the skill of money truly again however, carried boiler on the back.
Settle way:
Below the condition that cannot reject to assure really, be in please assure mention expressly in the contract for " assure to assure commonly " , its means: Be being carried out compulsively to its belongings only and assume by guarantor without the ability when the effect assure responsibility. Perhaps arbitrate without adjudgement in master contract dispute, and advocate the belongings of debtor is carried out compulsively lawfully without before fruit, guarantor can reject to assume to creditor assure responsibility. Assuring commonly is the assurance of a kind of compensatory sex. Other assure means does not suggest to tick off anthology use.
5, spouse explain borrow conditional difference
Application room is borrowed, general finance orgnaization can ask borrower provides data of both sides of husband and wife, examine integratedly for the unit with the family impose letter, income, indebted condition, if you are other,the respect is no problem, loan or by refus, so the bank may tell you is the credit account as a result of other in part.
Help:
Other in part needs the money that before be being paid off actively, bad record brings about, and use credit card and loan product actively, good reimbursement is used to nurturance, 2-5 year bad record is eliminated namely.
6, have bad debt
Bad debt is more more serious than exceed the time limit.
Bad debt is to point to already spent liquidate time, classics dun is still irrecoverable, be in dull condition for a long time, become bad Zhang likely. Bad debt is the result that fails to have clear an account in time receivable money, point to the finance affairs that be not returned because of the other side and closes not to come back again. Say simply even if do not have the account that pay off for long.
1, special situation one: The bad debt that excessive pay money causes, processing technique, collect excessive pay money, do sell a processing. Special situation 2: Year of cost of card the bad debt that cause, this processing is simpler, pay off debt to sell door can. These two kinds of circumstances issue the bad debt that cause, the bank can do active processing commonly.
2, processing of general bad debt: Want to pay off debt above all, and notice money also is not returned more one minute, door of be on sale is entered even after paying off debt. With credit card exceed the time limit different, bad debt is not done sell a processing, the bad debt on your record that sign a letter won't be eliminated.
