Some people think that I have assets in the bank. Why can't the bank give me a loan? The assets show that I have the solvency. Shouldn't the bank lend me a loan?

In fact, bank loan approval firstly depends on whether the loan applicant has dishonesty or not. If there is dishonesty, the loan application will basically be rejected; secondly, the loan applicant must be risk assessed. If the loan applicant has a relatively high degree of risk , Then the loan will also be rejected; finally, it depends on the solvency of the loan applicant, that is, whether the loan can be repaid, including the source of repayment funds, whether the collateral is sufficient, and the ability of the guarantor.

So, why would the bank refuse the loan in the asset bank? What are the misunderstandings that people have about bank loans?

The first big loan misunderstanding is, why can't you get a loan in a bank? I have a deposit with you, can't I still take a loan?

A friend has a deposit of 100 million yuan in the bank, why can't the bank approve a loan of 10 million yuan?

For loan applicants, having a deposit in the bank means that the bank loan has sufficient sources of repayment, and the bank should give me a loan. This is a matter of course.

In fact, your bank deposits may be current or short-term, while bank loans are for one year or more, and you do not use deposits as guarantee or collateral when applying for a loan, which means that your deposits are at any time You can go, and your deposit may be working capital or borrowed funds, it is difficult to constitute the ability to repay bank loans.

Some companies ask a friend for help from a loan applicant to deposit a large amount of money in their bank account for a day or a few days, and then move away. Such deposits have no meaning at all for loan repayment.

The bank depends on your ability to repay the loan, not just the amount of deposit on the surface of your bank account.

The second major loan misunderstanding: Why can't I get a loan after purchasing a wealth management product from a bank? And wealth management products are enough to repay bank loans.

A company purchased more than 50 million yuan of wealth management products from the bank for a month, and applied for a 30 million yuan working capital loan from the bank. After being rejected by the bank, it was very difficult to understand: I have 50 million yuan of wealth management products in your bank. It only requires a loan of 30 million yuan. Is your bank still afraid that the loan cannot be repaid?

In fact, this is a very big misunderstanding. The wealth management products purchased by a company in the bank cannot be used as a source of loan repayment without collateral, and the term of the wealth management product is relatively short. After the maturity, the company can completely transfer it away, and the bank has no way to control the funds and use it as a source of repayment.

More importantly, the source of funds for companies to purchase 50 million yuan of wealth management products may themselves be corporate loans or loans from other banks, that is, passing funds, which are to be returned to other borrowers and cannot be used to repay loans.

So, as long as you don’t pledge financial products, don’t think that I have so many financial products in your bank. Why can’t you lend me a loan? This is a misunderstanding.

The third biggest loan misunderstanding is that I have all provided deposits to the bank. Why shouldn't the bank give me a loan?

Some people have three misunderstandings on the issue of bank deposits:

One is that I have made a deposit to the bank, and the bank can issue a loan if it has a deposit, so you should lend me the funds of the deposit;

The second is that I have made a deposit for the bank, and I have contributed to the bank. I know that the bank should lend me a loan;

Third, if I gave a bank deposit, the bank should give me a loan. What risks are there if I have a deposit?

In fact, the above are all misunderstandings. You pulled a deposit to the bank, and this deposit failed to be pledged, and it cannot replace the bank’s risk assessment basis for loan applicants; if you pull a deposit to the bank, the bank may consider lowering the loan interest rate for you, but it cannot deal with those who do not meet the risk conditions. The loan applicant takes a loan; the deposits drawn to the bank are someone else's, and these deposits are not funds for repayment.

Therefore, it is very beneficial to help the bank to pull in deposits for the approval of loan applications, but if the risk conditions are not met, the loan will not be granted.

The fourth major loan misunderstanding: I have found a guarantor and the guarantor’s solvency is very strong, why can’t I take a loan?

Some people know that their loan capacity is limited, so they find a guarantor, and feel that the guarantor is big and famous. Why don't banks give loans to such a big guarantor?

Although a high-quality guarantor is beneficial to loan approval, after all, the guarantor is the second source of loans.

However, when bank loan inspections and risk assessments pay more attention to the first source of loan repayment, that is, the loan applicant’s own repayment ability is the most important source of repayment, while guarantees and mortgages are only the second source of repayment. When the first source of repayment is weak, it pays more attention to the qualifications of the guarantor. However, for some loan applicants who are obviously too weak and too risky, the bank cannot place the repayment responsibility on the second source of repayment. Increase the risk of loans.

Therefore, a good loan guarantor is certainly important, but more important is the loan applicant’s ability to repay. This must be understood.

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