银行贷款被拒,只因综合评分不足?

作者: 发布时间:2017-12-07 17:18:35  来源: [手机访问]
导读: 相信不少朋友都有这样的经历,因急需用钱而向银行申请贷款,结果左等右等,最后等来的不是放款成功的消息,而是银行的一句:综合评分不足!简单的来说,就是被拒

相信不少朋友都有这样的经历,因急需用钱而向银行申请贷款,结果左等右等,最后等来的不是放款成功的消息,而是银行的一句:综合评分不足!

简单的来说,就是被拒贷了。当然,除了银行以外,也有不少金融机构喜欢用这种“体面”的说法拒绝你。那么,综合评分到底是什么?

一、什么是综合评分?

所谓的综合评分,又叫做信用评分,是指各金融机构利用一定的信用评分模型,对客户的资质进行全方位的考察,从而计算出不同的信用评分。

信用评分的高低,将直接决定了客户是否能获得授信,以及授信的额度和利率。

二、评分的标准是什么?

1、个人基本信息

银行贷款被拒,只因综合评分不足?

拥有技术职称:高级工程师、会计师、优秀教师等,能加分;婚姻美满,贷款时又能获得家人支持,银行更喜欢。

2、收入状况

银行贷款被拒,只因综合评分不足?

工资高确实会加分,但负债过高也会减分,一般负债超过了50%就属于高风险,银行会很小心;如果公司有负面信息,比如拖欠工程款、工资、诈骗信等,减分严重!

3、居住状况

银行贷款被拒,只因综合评分不足?

一般买了房,又有抵押,且还贷记录良好的,银行会认为风险小,默默加上几分;住房的品质能侧面看出客户一定的还贷能力。

4、信用状况

银行贷款被拒,只因综合评分不足?

入了黑名单的客户,之前分数再高也会瞬间抹平!征信对于贷款来说越来越重要;若在短时间内频繁申请,信审会认为“你很缺钱”,属于高风险客户!

三、综合评分对审批的影响?

得分超多90分,估计银行都要“求着你”来贷款;

得分在70-90分,只要征信没问题,批贷很简单;

得分在50-70分,没逾期还是可以的;

得分在50分以下,自己就掂量一下吧!

小金融表示,想要提高综合评分,要从各方面抓起,保持良好的征信是最基础!

一次黑名单,5年之内与贷款无缘。此外,在填写资料时,一定要认真并如实填写,若出错了,容易让信审“误解”。盗用他人身份信息、编造工作单位等造假行为更不用多说,可能触犯法律。

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6496631792110404110/', abstract: '相信不少朋友都有这样的经历,因急需用钱而向银行申请贷款,结果左等右等,最后等来的不是放款成功的消息,而是银行的一句:综合评分不足!简单的来说,就是被拒贷了。当然,除了银行以外,也有不少金融机构喜欢用这种“体面”的说法拒绝你。那么,综合评分到底是什么?一、什么是综合评分?
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