キャッシング・カードローン審査の秘訣

キャッシング・カードローン審査の秘訣
キャッシング
キャッシングやカードローンでお金を借りたいけど、審査に通るか不安に思う人もいるでしょう。消費者金融や銀行には多くの審査基準があり、その基準を満たさなければ審査に通過することはできません。このページでは具体的な審査基準や審査に通りやすい人の特徴、さらには「3社以上から借りている」「非正社員である」などのケース別の対処方法を紹介しています。このページを参考に、無事に審査を通ってしまいましょう!




スポンサーリンク

キャッシングの審査項目は10以上⁉

消費者金融や銀行ではキャッシング・カードローンの審査基準を明らかにしていないため、審査に通るか不安に思う人は多いと思います。実は、キャッシング・カードローンの審査には10以上 の基準(項目)があり、それらを総合的に判断して通すどうかを決めています。基準というと難しく感じますが、簡単に言うと年収や勤続年数などの各基準をスコアリングして、その合計が一定 の水準を超えれば審査に通すというものです。
[br num=”1″] 「年収は同じなのに、自分は落ちたけど、友人は通った」という場合は年収以外の基準の点数が低かったため、合計では合格水準に届かず、審査に落ちてしまったと思われます。

金融機関の審査基準と優先順位はコレ

消費者金融のキャッシングや銀行のカードローンの審査基準には、優先順位があります。以下の表に、金融機関に勤めている専門家から聞いた代表的な10個の審査基準と優先順位をまとめました。審査に不安を感じている人は、優先順位の高い基準を重点的に対策すれば、審査に通過できる可能性がぐっと上がります。
金融機関の審査基準と優先順位

審査に通過するためのケース別の対策

審査基準と優先順位は上の表で分かったが、「自分は結局、どうすれば審査に通過できるか分からない」と悩んでいる人のために、ここではケース別に対策を紹介します。自分のケースでは、どのような対策をすべきなのかを理解しましょう

①すでに3件以上の消費者金融や銀行から借りている

他社からの借入件数は、借入金額以上に重要な項目です。借入件数が多いと、低い限度額でなければ審査に通らず、件数が増えてしまったとほかの金融機関から思われてしまいます。このケースでは借入件数を減らすことが大切です。借入件数を減らすために、銀行のおまとめローンを利用することをおすすめします
[br num=”1″] 銀行のカードローンは総量規制が対象外なので、自分の年収の1/3以上の借り入れも可能となります。
他社の借入金額に不安な方も借金を一つの会社にまとめることができるので安心してください。

②年収が200万円以下である

年収は審査基準のなかでも最も大切です。ほかの審査基準を満たしても、年収が200万円以下だと 審査に落ちる可能性が高くなります。もし、自分の年収に不安があるのなら、申し込みをするときに希望借入額(限度額)を低めにするのはいかがしょうか。そもそも、総量規制によって年収の1/3を超えて消費者金融から借りられないので、年収200万円以下なら希望借入額は30万円以下にしなければ審査に通りません。なお、希望借入額を10万円以下にして申し込むと審査に通る可能性が上がります。

③雇用形態が派遣社員・フリーター・アルバイトなどの非正社員である

派遣社員・フリーター・アルバイトなど、一般に非正規雇用者と言われる雇用形態だと、正社員に比べて審査で不利になります。しかし、これらの非正社員の人でも「安定した収入」があるなら、キャッシングやカードローンに申し込んで審査に通ることは可能です。

④家が賃貸住宅・公営住宅である

審査基準の優先順位のところでも述べましたが、賃貸住宅や公営住宅であることは優先順位が低いので、審査にそれほど影響しません。
もし、賃貸住宅や公営住宅に住んでいて審査に落ちたのなら、それ以外の基準が原因という可能性が高いでしょう。




スポンサーリンク

キャッシング・カードローン審査の秘訣」への719件のフィードバック

  1. www.jamnjumpers.com

    I was recommended this blog through my cousin. I’m now not certain whether or not this post is written through him as no one else understand such distinct about my trouble. You are wonderful! Thanks!

  2. click here

    It is actually a nice and helpful piece of information. Im happy that you just shared this helpful info with us. Please keep us up to date like this. Thanks for sharing.

  3. Busy Things

    I wanted to thank you for this wonderful read!! I definitely loved every bit of it. I’ve got you bookmarked to look at new things you postÖ

  4. fraud with tax

    Very nice post. I just stumbled upon your blog and wanted to say that I have truly enjoyed browsing your blog posts. In any case I?ll be subscribing to your rss feed and I hope you write again very soon!

  5. zautoservice.com

    UFABET คาสิโนออนไลน์ที่ถูกพูดถึงมากที่สุดเดี๋ยวนี้เนื่องด้วยเป็นเว็บไซต์ยอดนิยมสูงสุด มีเกมให้เล่นมากไม่น้อยเลยทีเดียว จ่ายจริง จ่ายเต็ม แบบไม่มีกั๊ก สมัครง่าย ใช้ระบบฝากถอนอัตโนมัติ ไม่เพียงเท่านั้นยังมีคณะทำงานดูแลตลอด 1 วัน

  6. seo agency

    I wanted to thank you for this wonderful read!! I certainly enjoyed every little bit of it. I have got you book-marked to look at new stuff you postÖ

  7. maquinas de cafe en capsulas

    Pretty nice post. I just stumbled upon your blog and wanted to saythat I have truly enjoyed surfing around your blog posts.In any case I will be subscribing to your rss feed and I hopeyou write again very soon!

  8. ??????

    ???? ? ???????? ????????? ??? ??????????? ???? ? ???????? 1 ????? ???????? ?????? ????????? ????? ??????? ?????? ?????? 2021?

  9. winlive4d

    My brother recommended I might like this blog. He was totally right.This post truly made my day. You can not imagine just howmuch time I had spent for this information! Thanks!

  10. to read more

    I blog quite often and I genuinely thank you for your content. The article has really peaked my interest. I am going to take a note of your blog and keep checking for new details about once a week. I opted in for your RSS feed too.

  11. ??????

    Genuinely no matter if someone doesn’t know after that its up to other viewers that they willassist, so here it takes place.

  12. dai ly nuoc quan 10

    I’ll right away grab your rss feed as I can not in finding your email subscription hyperlink or e-newsletter service. Do you have any? Kindly allow me know so that I could subscribe. Thanks.

  13. Industrial video production

    Hi, I do think this is a great blog. I stumbledupon it I will revisit once again since I bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  14. Judi Online Terbaru

    I do agree with all of the concepts you’ve presented on your post. They are very convincing and can certainly work. Nonetheless, the posts are very quick for newbies. May you please extend them a bit from subsequent time? Thank you for the post.

  15. to read more

    I’m not sure where you’re getting your information, but great topic.I needs to spend some time learning more orunderstanding more. Thanks for magnificent info Iwas looking for this information for my mission.

  16. vietnam car hire with driver

    Thank you, I’ve recently been looking for information approximately this topic for a long time and yours is the greatest I’ve discovered so far. However, what concerning the bottom line? Are you sure concerning the source?

  17. du lich mai chau hoa binh

    Thanks for your marvelous posting! I truly enjoyedreading it, you could be a great author. I will ensure that I bookmark your blog and may come backlater on. I want to encourage you continue yourgreat job, have a nice day!

  18. CD sticker

    Having read this I thought it was very informative. I appreciate you spending some time and effort to put this information together. I once again find myself spending a lot of time both reading and commenting. But so what, it was still worth it!

  19. visit website

    Wow that was unusual. I just wrote an really long comment but after I clickedsubmit my comment didn’t appear. Grrrr… well I’m not writing allthat over again. Anyway, just wanted to say excellent blog!

  20. Billboard

    I wanted to thank you for this very good read!! I definitely enjoyed every bit of it. I’ve got you book marked to look at new stuff you postÖ

  21. Burlington penthouses for sale

    Great post. I was checking continuously this blog and I am impressed! Extremely useful info particularly the last part I care for such information a lot. I was seeking this certain info for a long time. Thank you and good luck.

  22. cong ty hung thinh

    Amazing! This blog looks just like my old one!It’s on a completely different subject but it has pretty much thesame layout and design. Wonderful choice of colors!

  23. aset kripto terbaik

    You could definitely see your skills within the work you write.The sector hopes for even more passionate writers like you who are not afraid to mention how they believe.At all times go after your heart.

  24. Tattoo Shops

    An interesting discussion is worth comment. There’s no doubt that that you ought to publish more about this topic, it may not be a taboo matter but generally folks don’t speak about such topics. To the next! All the best!!

  25. Paul Thompson

    Awsome info and right to the point. I am not sure if this isreally the best place to ask but do you folks have any thoughtson where to employ some professional writers?Thanks in advance

  26. haji furoda

    Heya i’m for the first time here. I found this board and Ifind It truly useful & it helped me out a lot. I hope to give something back and helpothers like you aided me.

  27. explore

    Hello! Do you use Twitter? I’d like to follow you if that would be ok.I’m definitely enjoying your blog and look forward to new posts.

  28. click here

    Hi! Do you use Twitter? I’d like to follow you if that wouldbe ok. I’m definitely enjoying your blog and lookforward to new posts.my blog post … garena free fire hack

  29. bitcoin mixer

    Hi there! I could have sworn Iíve been to your blog before but after looking at a few of the posts I realized itís new to me. Nonetheless, Iím definitely delighted I discovered it and Iíll be book-marking it and checking back often!

  30. RNA Portugal

    Haberler, son dakika haberleri, yerel ve dünyadan en güncel gelişmeler, magazin, ekonomi,spor, gündem ve tüm gazete haberleri; hemoroid.online

  31. Thu mua xe o to cu

    Hi there! I could have sworn Iíve been to your blog before but after looking at some of the articles I realized itís new to me. Anyhow, Iím certainly happy I found it and Iíll be bookmarking it and checking back frequently!

  32. TOP 50 Best Songs

    scoliosisNice post. I was checking continuously this blog and I’m impressed!Very useful info specially the last part I care for such info much.I was looking for this particular info for a very long time.Thank you and best of luck. scoliosis

  33. line tgl

    When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove people from that service? Thanks!

  34. Nevaeh Dixon

    Hello! I just wanted to ask if you ever have any trouble with hackers?My last blog (wordpress) was hacked and I ended up losinga few months of hard work due to no back up. Do you have any methods to protectagainst hackers?

  35. Paytiz scam

    Hi, I do think this is a great blog. I stumbledupon it I’m going to come back once again since i have bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

  36. aljabar

    Trực Tiếp Bóng Đá Việt Nam Vs Lebanon. Xem Truc Tiep Bong Da. Futsal Việt Namxem thvl1Nếu cứ nghịch như cách vừa tiêu diệt Everton tới 3-1 bên trên sân khách hàng

  37. dark web

    Thẳng Bóng Đá Ngày Hôm Nay, Liên Kết Xem Soccer Trực Tuyến 24h fb88Đội tuyển nước Việt Nam chỉ cần một kết trái hòa có bàn thắng nhằm lần loại hai góp mặt tại World Cup futsal. Nhưng, nhằm làm được như vậy

  38. AOSmith

    Your style is so unique in comparison to other folks I ave read stuff from. I appreciate you for posting when you have the opportunity, Guess I will just bookmark this blog.

  39. industrial videos

    That is a very good tip particularly to those fresh to the blogosphere. Short but very precise informationÖ Many thanks for sharing this one. A must read post!

  40. Vickie Williams

    Hello i am kavin, its my first occasion to commenting anyplace,when i read this article i thought i could also create comment due to thissensible post.

  41. hosting meaning

    It’s really a nice and helpful piece of info. I’m glad that you just shared this helpful info with us. Please keep us informed like this. Thanks for sharing.Social media Accounts/followers/views/comments/likes for all platforms-

  42. hosting

    While the text is the most important part of a blog, images help attract readers as well as elaborating on the meaning behind the blog.

  43. coway

    You can certainly see your skills within the work you write. The sector hopes for even more passionate writers such as you who are not afraid to mention how they believe. All the time go after your heart.

  44. ??????

    Remarkable issues here. I am very happy to peer your article.Thank you a lot and I’m having a look ahead to touch you.Will you please drop me a e-mail?

  45. ??????

    Link Alternatif QQ adalah agen yang menyediakan banyak informasi mengenai link – link dari berbagai agen judi bola online seperti bandar QQFORTUNA

  46. seguidores Instagram

    Generally I do not learn article on blogs,but I wish to say that this write-up very compelled meto try and do so! Your writing style has been amazed me.Thank you, quite great post.

  47. ao dong phuc cong ty

    Hey There. I found your blog using msn. This is a very well written article.I’ll be sure to bookmark it and come back to read more of your useful information. Thanksfor the post. I will definitely return.

  48. Cincinnati Bounce

    Aw, this was a very good post. Finding the time and actual effort to create a great article… but what can I say… I put things off a whole lot and never manage to get nearly anything done.

  49. find more here

    Right now it sounds like Expression Engine is the preferred blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  50. Cisco Video Infrastructure Design

    Hello! I could have sworn Iíve been to this blog before but after looking at some of the articles I realized itís new to me. Anyways, Iím definitely happy I came across it and Iíll be book-marking it and checking back frequently!

  51. just go to

    Thanks, I have recently been searching for information about this topic for a while and yours is the greatest I have came upon so far. However, what in regards to the conclusion? Are you certain about the supply?

  52. produccion de madera plastica

    I do not even understand how I stopped up right here,but I assumed this post was once great. I do not realize who you might be but certainly you’re going toa famous blogger in case you are not already. Cheers!

  53. kosmen

    Hello! I just would like to offer you a huge thumbs up for the excellent info you have got right here on this post. I am coming back to your blog for more soon.

  54. ??? ???

    When I originally commented I clicked the « Notify me when new comments are added » checkbox and now each timea comment is added I get four emails with the samecomment. Is there any way you can remove people from that service?Thanks!

  55. web hosting company

    I’m still learning from you, while I’m trying to reach my goals. I absolutely liked reading everything that is posted on your blog.Keep the tips coming. I enjoyed it!

  56. dang ky Binance

    Heya i am for the first time here. I came across this board and Ifind It truly useful & it helped me out a lot. I am hoping to present one thing back andaid others such as you aided me.

  57. du hoc nghe tai duc

    I’m not sure where you’re getting your info, but great topic.I needs to spend some time learning more or understanding more.Thanks for excellent information I was looking for this information for my mission.

  58. Clínica Oftalmológica

    Good day! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good results. If you know of any please share. Thanks!

  59. Queratocono

    I am so happy to read this. This is the kind of manual that needs to be given and not the accidental misinformation that’s at the other blogs. Appreciate your sharing this best doc.

  60. top follow

    transunion credit report free my free annual credit report free credit score check online credit report credit karma check my credit score

  61. mature porn

    Good day! I could have sworn I’ve visited your blog before but after looking at some of the articles I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be book-marking it and checking back often.

  62. brutal porn

    Hi there! This post couldn’t be written any better! Looking through this post reminds me of my previous roommate! He continually kept talking about this. I will send this information to him. Pretty sure he’ll have a good read. Many thanks for sharing!

  63. tubidy

    Aw, this was an extremely nice post. Taking a few minutes and actual effort to create a top notch article… but what can I say… I put things off a lot and never manage to get anything done.

  64. read books online free

    Heya! I’m at work surfing around your blog from my new iphone 3gs! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the excellent work!

  65. porn video

    Greetings! Very helpful advice within this post! It is the little changes that will make the most important changes. Many thanks for sharing!

  66. lgbt porn

    You made some decent points there. I looked on the net for more info about the issue and found most individuals will go along with your views on this web site.

  67. accountants for personal taxes

    Thanks for all these beneficial details. I have been browsing anywhere to learn more about it. You made it simple for myself and also others. I am grateful that I come across your post and also will read a lot more about it.

  68. what is japandi

    excellent issues altogether, you simply received a new reader.What might you recommend in regards to your submit that you made a few daysin the past? Any sure?

  69. dark web links

    Hi there! I’m at work surfing around your blog from my new iphhone 4!Just wanted to say I love reading your blog and look forward to all your posts!Keeep up the superb work!

  70. Your Domain Name

    I was very pleased to discover this web site. I need to to thank you for your time due to this wonderful read!! I definitely savored every bit of it and i also have you saved as a favorite to see new things in your website.

  71. hidden wiki

    Nice post. I used to be checking continuously thisblog and I’m impressed! Very useful infospecifically the closing section I handlesuch info a lot. I used to be seeking this certain info for a long time.Thank you and good luck.

  72. abusive porn

    Good post. I learn something totally new and challenging on blogs I stumbleupon every day. It’s always exciting to read through articles from other authors and use something from other sites.

  73. brutal porn

    I would like to thank you for the efforts you have put in penning this blog. I am hoping to see the same high-grade blog posts by you in the future as well. In truth, your creative writing abilities has encouraged me to get my very own site now 😉

  74. Wholesale T-shirts in Qatar

    Im no longer certain the place you are getting your information, but great topic. I must spend a while studying more or figuring out more. Thanks for wonderful info I used to be searching for this information for my mission.

  75. Water Filter Bottle

    Excellent post. I was checking constantly this blog and I’m impressed!Very useful information specially the last part I care for such info much.I was seeking this certain info for a long time. Thank you and good luck.

  76. mp3juice

    Aw, this was a very nice post. Spending some time and actual effort to create a top notch article… but what can I say… I put things off a lot and never manage to get nearly anything done.

  77. mp3juice downloader

    The next time I read a blog, I hope that it won’t disappoint me as much as this one. After all, Yes, it was my choice to read, but I genuinely believed you’d have something interesting to talk about. All I hear is a bunch of whining about something you can fix if you weren’t too busy searching for attention.

  78. food packaging

    Hey There. I found your blog using msn. This is a really well written article.I’ll make sure to bookmark it and come backto read more of your useful information. Thanks for the post.I will definitely return.

  79. Mp3Juices

    Your style is unique in comparison to other people I have read stuff from. Thank you for posting when you’ve got the opportunity, Guess I will just book mark this web site.

  80. tubidy

    May I simply say what a comfort to uncover somebody that genuinely understands what they’re talking about over the internet. You definitely know how to bring an issue to light and make it important. A lot more people really need to read this and understand this side of the story. I was surprised you are not more popular given that you surely have the gift.

  81. smm followers

    I do agree with all of the ideas you have presented in your post. They’re very convincing and will certainly work. Still, the posts are very short for beginners. Could you please extend them a bit from next time? Thanks for the post.

  82. tubidy mp3

    Having read this I believed it was rather informative. I appreciate you finding the time and energy to put this article together. I once again find myself spending a significant amount of time both reading and leaving comments. But so what, it was still worthwhile!

  83. mp3 juice

    Spot on with this write-up, I seriously believe this site needs a lot more attention. I’ll probably be returning to read more, thanks for the info!

  84. download lagu bad decision bts

    Having read this I believed it was rather informative. I appreciate you taking the time and effort to put this article together. I once again find myself personally spending a significant amount of time both reading and posting comments. But so what, it was still worthwhile!

  85. download mp3

    You made some really good points there. I looked on the web to find out more about the issue and found most individuals will go along with your views on this web site.

  86. massage yoni o dau

    Aw, this was an incredibly nice post. Spending some time and actual effort to generate a top notch articleÖ but what can I sayÖ I hesitate a lot and don’t manage to get anything done.

  87. music mp3 download

    I’d like to thank you for the efforts you’ve put in writing this website. I’m hoping to see the same high-grade blog posts by you later on as well. In fact, your creative writing abilities has inspired me to get my own, personal blog now 😉

  88. Can thue mat bang

    Heya i’m for the first time here. I came acrossthis board and I in finding It truly helpful &it helped me out much. I’m hoping to give something back and aid others like you helped me.

  89. look here

    magnificent points altogether, you just won a brand new reader.What might you recommend in regards to your put up thatyou simply made a few days ago? Any certain?

  90. film malaysia

    A fascinating discussion is definitely worth comment. I believe that you should write more on this issue, it might not be a taboo matter but usually people do not speak about these subjects. To the next! Cheers!!

  91. kunci gitar chordtela

    An impressive share! I’ve just forwarded this onto a coworker who had been doing a little research on this. And he in fact ordered me lunch due to the fact that I stumbled upon it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this topic here on your website.

  92. nagaland lottery history

    Good day! I could have sworn Iíve been to this blog before but after browsing through many of the articles I realized itís new to me. Nonetheless, Iím certainly pleased I found it and Iíll be bookmarking it and checking back regularly!

  93. download lagu mp3

    The very next time I read a blog, Hopefully it doesn’t fail me just as much as this one. After all, I know it was my choice to read through, nonetheless I genuinely believed you’d have something helpful to talk about. All I hear is a bunch of whining about something that you can fix if you were not too busy searching for attention.

  94. go now

    This is a good tip especially to those new to the blogosphere. Brief but very accurate info… Thank you for sharing this one. A must read post.

  95. lesbian porn

    Hello there! I could have sworn I’ve visited your blog before but after looking at some of the articles I realized it’s new to me. Anyhow, I’m definitely delighted I discovered it and I’ll be book-marking it and checking back frequently.

  96. online classes

    Thanks , I’ve just been looking for info about this topic for ages and yours is the best I’ve discovered till now. But, what about the bottom line? Are you sure about the source?

  97. how online classes work

    I really like your writing style, great information, thank you for putting up :D. «In university they don’t tell you that the greater part of the law is learning to tolerate fools.» by Doris Lessing.

  98. kho sim

    Greetings! Very helpful advice within this article! It’s the little changes which will make the most significant changes. Thanks a lot for sharing!

  99. سمعها

    Good post. I learn something new and challenging on blogs I stumbleupon on a daily basis. It will always be helpful to read content from other writers and use something from other sites.

  100. stock broker

    This is a very good tip especially to those fresh to the blogosphere. Short but very precise info… Thanks for sharing this one. A must read post!

  101. from this source

    Hello there, I believe your site might be having web browser compatibility issues. Whenever I look at your site in Safari, it looks fine however when opening in Internet Explorer, it’s got some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, fantastic blog!

  102. gia luoi b40

    excellent items altogether, you merely gained a new reader. What would you recommend concerning your post that you made a few days previously? Any beneficial?

  103. additional hints

    I’m impressed, I have to admit. Seldom do I come across a blog that’s equally educative and interesting, and let me tell you, you have hit the nail on the head. The issue is something that not enough men and women are speaking intelligently about. I am very happy I found this during my search for something concerning this.

  104. navigate to this web-site

    Aw, this was an extremely good post. Taking the time and actual effort to generate a top notch article… but what can I say… I hesitate a whole lot and never manage to get nearly anything done.

  105. snaptik

    I blog quite often and I seriously thank you for your information. This article has truly peaked my interest. I will take a note of your site and keep checking for new details about once per week. I subscribed to your RSS feed too.