It means: you can't borrow more than 20 times, that is, your loan bill can't exceed 20, and you can only borrow it after you pay it back.
The number of general online loan applications will affect the credit big data, and all major lending institutions, including banks, will look at your loan times in the past two months (including the number of failed applications).
Once there are too many, big data will reflect that you are short of funds recently and your repayment ability is insufficient, so you will stop lending.
It is suggested to make rational use of these formal lending institutions and not to apply repeatedly.
Ant borrowing can be recycled as long as there is a quota, and there is no limit on the number of times of use, but no more than 20 pens can be used at the same time.
There are two ways to repay the loan: repayment on schedule and prepayment.
I. Repayment on schedule
Before the repayment date 12 o'clock, pay enough money to Alipay (Alipay balance, Chulei card and Yu 'ebao are all supported), and deduct the money automatically on the same day, or repay manually on the repayment date.
It should be noted that the entrance to manually repay the current arrears will only be displayed on the repayment date, and there is no such entrance at other times.
Second, prepayment.
If you have enough funds and want to pay off or return part in advance, you can enter the loan page to operate.
Note: If a repayment part with a manually entered amount is checked, if multiple repayment parts are checked, all of them must be paid off.
Ant lending is a lending service under Alipay. Now many people who are in urgent need of funds will borrow money from ants to apply for loans. Whether buying a car, buying a house or starting a business, ants are deeply loved by lenders, because after all, it is launched by Alipay and will be safer and more reliable than other online lending platforms.
Precautions:
The first point: don't use informal websites to pay, so as to avoid abnormal accounts.
There are abnormalities in general accounts, most of which are caused by not binding mobile phones, and some of them are caused by using irregular websites to pay. So don't pay on an informal website. If Alipay prompts you that your account is abnormal, please confirm whether the Alipay account is bound with a mobile phone. If the phone is not bound, please log in again after successfully binding the phone, and check the phone according to the page prompts.
If the account is bound to a mobile phone, users are advised to log in again or enter the payment function, and re-check the mobile phone according to the page prompts. If all are unsuccessful, you can only switch to the commonly used network environment to pay. For example, now Internet cafes operate payment, and after returning to China, they can only use the home network environment to make payment.
Second, if you borrow money from ants, you must repay it on time:
After the borrower gets the loan borrowed by the ant, he must repay it in full and on time, otherwise it will not only affect the sesame credit score, but also affect the credit information of the central bank.
Lending treasure is a lending product launched by Alipay. According to the official description, the loan will be reported to the credit information system in due course according to the relevant regulations of the central bank.
What will happen if you borrow more than ten times? How serious it is!
; ? Alipay has a large loan amount, which can be repaid with the loan. It is the first choice loan product for many friends who are in urgent need of capital turnover. However, we should also pay attention to the frequency of borrowing money. After all, the use of consumer credit products like this still has an impact. Then, what will happen to the impact of borrowing more than ten times on credit reporting? Let's have a look.
What will happen if you borrow more than ten times?
Loans are now connected to the central bank's credit information system, so many white households can establish credit records through loans, and financial institutions can evaluate the borrower's personal credit status from the borrower's basic loan and repayment records, mainly from two aspects: query records and loan records.
1, the influence of query records
Every time you apply for a loan, you will be checked. On the inquiry record of the credit report, we can see that the reasons for the inquiry are "loan approval" and the time of each inquiry. This kind of record is called hard inquiry record, and it is easy to obtain credit information if it is used too many times.
For example, if a borrower borrows more than ten times, it will leave more than ten inquiry records. Don't underestimate this influence. If he wants to apply for a credit card or loan again, the financial institution in charge of examination and approval will definitely be surprised. He believes that applicants are extremely short of money at present, otherwise they would not be so dependent on loans. As soon as he makes progress, he will confirm that his credit risk is very high and pass the application directly.
2. The impact of loan records
After borrowing, it will be displayed in the loan record of the credit record. There used to be one record for each loan, but now it has become a combination of multiple loans. Borrowing more than ten times, there is only one record, and you can see the total loan amount and monthly repayment record.
If the loan is used normally, it can be repaid on time every month, which is conducive to credit investigation, indicating that the borrower has repayment ability and is helpful to accumulate good credit. However, if the total loan amount is too large, it will increase the personal debt ratio, reduce the borrower's repayment ability, and there will be great credit risk.
The above is the introduction of "the influence of borrowing more than ten times on credit reporting", and I hope it will help everyone. In short, everyone should use loans moderately, otherwise too frequent loans will have a bad impact on credit reporting, which is not conducive to subsequent card processing.
What if ants can't borrow it for 20 times?
Ants can't borrow it after 20 times. If you want to borrow it again, the method is simple. Pay off the previous 20 debts and you can borrow again.
Because there is a loan record limit for ants to borrow money, up to 20, but there is no limit on the number of loans. They can apply for a loan as long as there is a quota. Moreover, the repayment is to restore the quota immediately, so you have to reapply for 20 loans, and you can borrow again as long as you return the previous one.
In order to avoid this situation, it is best to apply for more loans. You should have a plan to spend money yourself, and you can't squander it. Moreover, the ant borrowing itself is an advance payment. If the economy doesn't allow it, it's better to try not to spend it.
Ants can't borrow more than 20 books, but there is still a quota. Do you want to pay back one sum and borrow it again, or do you want to pay off all 20?
Ant can't borrow more than 20 loans at the same time. Before use, you need to pay off the previous loan, or you can pay off one and continue to borrow the next one.
Ant borrowing can be recycled as long as there is a quota, and there is no limit on the number of times of use, but no more than 20 pens can be used at the same time.
There are two ways to repay the loan: repayment on schedule and prepayment.
I. Repayment on schedule
Before the repayment date 12 o'clock, pay enough money to Alipay (Alipay balance, Chulei card and Yu 'ebao are all supported), and deduct the money automatically on the same day, or repay manually on the repayment date.
It should be noted that the entrance to manually repay the current arrears will only be displayed on the repayment date, and there is no such entrance at other times.
Second, prepayment.
If you have enough funds and want to pay off or return part in advance, you can enter the loan page to operate.
Note: If a repayment part with a manually entered amount is checked, if multiple repayment parts are checked, all of them must be paid off.
Extended data
How to calculate the interest of early repayment by ants;
The interest of ants is charged by the day. If the repayment is made in advance, the interest will be calculated according to the actual days of use. Whether to charge the prepayment fee is subject to the page display.
Example of interest calculation for prepayment:
If your daily interest rate is five ten thousandths, and you borrow 10000 yuan, the daily interest is 5 yuan. If you choose to borrow for 3 months, but actually repay in advance after 30 days, the total interest is ***5*30= 150 yuan.
References:
Service hall-AliPay