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市面上不乏易批貸款，易批貸款指的是申請方法簡單，全程無需現身，只需經網上、電話熱線即可申請的私人貸款產品。 另外，申請時，借貸人無需遞交大量文件，只需身份證明、手提電話號碼即可、無需遞交收入、甚至住址證明，並可以即時得知結果，並即日放款。 特快易批貸款. 立即解鎖更多 易批貸款優惠！ 私人貸款批核不成功原因. 過去曾申請貸款但唔批？ 其實常見的私人貸款批核被拒主要原因包括： 信貸評分欠佳：如借貸人的 信貸評分 欠佳，即借貸風險高，因此借貸機構有可能拒絕借貸人的貸款申請。 還款能力不足：這與借貸人的入息有關，如借貸人的每月還款額超出借貸機構訂下的供款與收入比率（DSR，Debt-servicing ratio），一般為40%，貸款申請一般不會被接納。
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