; ? We all know that it is more convenient to borrow money on the online lending platform. We have a mobile phone and an ID card. We can borrow money with some simple information, but we can't borrow money too casually, or we may be rejected if we borrow it again. What should I do if I can't borrow money after encountering too many loans on the platform? Don't worry, you can do it.
Reasons for refusing loans after excessive loans.
At present, most online lending platforms have been connected to the credit information system, and online lending institutions also have their own online lending big data systems. You can check the borrower's loan application record. If you apply for too many loans, it means that the applicant's economic situation is very poor and his repayment ability is insufficient. In this case, the lending institution will refuse its loan request for risk reasons.
At present, many platforms give credit lines, and some platforms will ask for credit information when borrowing money. In this case, even if they can borrow money before, if they borrow too much, the lender's risk control system will feel that the borrower is in danger and refuse to lend.
The platform can't borrow money, so it can.
Online loan big data is spent. It is best to stop applying for all loans and apply again after 6 months. The general loan platform is to check the loan frequency in the past three months, and it is not a big problem if it is six months.
In the meantime, don't apply for bank credit cards or bank loans, because it is difficult to pass. The more rejected records, the greater the impact on your personal credit.
If it is spent on credit investigation, it is relatively difficult, and the bad record of credit investigation will take five years to eliminate. At this time, you can try to increase your personal income, and don't rob Peter to pay Paul, so your debt will continue to increase.
When making a loan, the lending institution should not only look at the credit information, but also look at the borrower's repayment ability. If there are too many platform loans in the early stage, the income will increase rapidly in the later stage, and the credit information will remain good. Lending institutions will also conduct audits according to specific circumstances.
What if I can't always borrow more online loans?
The solution to the problem that too many online loans always fail;
First, if there are too many online loans and the personal debt ratio is too high, then users are advised to settle some online loans and reduce the personal debt ratio.
Second, if the loan fails due to insufficient repayment ability, users are advised to increase the income certificate and reduce the monthly repayment amount to prove that they have sufficient repayment ability.
3. If there are too many online loans, which leads to too many loan approval queries, and the user's credit information is obtained, which leads to the loan failure, it is recommended that the user apply for a loan temporarily and apply for a loan after a period of credit information.
4. If the loan fails because the user's personal credit information is not good and the credit information is overdue, then you can only pay off the loan and apply for a loan after the credit information is restored.
In short, online loans always fail, so users should not apply for online loans frequently, because frequent application for online loans will have a certain impact on users' personal credit.
There are too many online loans. What if I am rejected?
There are too many online loans, and users can apply for loans offline. The data of online loans are generally recorded in big data, such as users' application records, repayment records and overdue records. Will be recorded. Online lending institutions will use big data as a means of risk control. When users have long-term loans, it is easy to be refused loans. At this time, users can apply for offline loans. Offline loans mainly refer to users' credit records, not to users' online credit records.
Of course, if the online loan is credited by the People's Bank of China, it will also have an impact on offline loans.
How to eliminate overdue records of online loans?
1. Don't rush to cancel the relevant account after covering the overdue period with a new loan record. Doing so will not erase your overdue record.
What we have to do is to pay off the arrears and continue to use them, and then ensure that we pay off the arrears on time every time. -After a period of time, the previous overdue records can be covered, and the general online lending platform will only refer to the credit records of the past two months.
2. After the non-malicious overdue certificate is overdue, we can take the initiative to contact the online lending platform and communicate with the platform in a sincere manner, indicating that we have not intentionally owed money, and give corresponding evidence, so that the platform can help you issue a non-malicious overdue certificate to minimize the adverse effects. In future loans, the certificate can still pass the examination and approval, and its effect is the same as eliminating records.
3. Automatic elimination after waiting for 5 years: overdue records will be automatically eliminated after 5 years, provided that the arrears have been paid off. For example, if you owe 654.38+00000 yuan, you must pay off 654.38+00000 yuan and penalty interest, and then wait for 5 years, and the overdue record will be automatically eliminated.
How long does it take to eliminate overdue credit reporting on online loans? If it is a bad record on the personal credit report of the central bank, then this record has a time limit, and the bad information will be retained for 5 years from the date of termination of the bad behavior or event. It should be noted that this five-year period starts from the actual repayment date, not the repayment date, that is, after the loan is paid off, the overdue records of more than five years will be automatically eliminated.
What if all the online loans can't be lent out?
It may be caused by policy tightening, insufficient loan amount, poor personal credit reporting and high personal debt ratio. Generally speaking, users can't lend all their online loans, which is caused by many reasons, not just one reason. At this time, users need to stop applying for online loans and try to apply for online loans after half a year. Frequent application for online loans in a short period of time will not only lead to too many credit inquiries, but also directly affect the audit results of online loans.
First, online lending, p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subclass of Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.
Third, the essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.
Fourth, by encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
5. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.
6. Network microfinance refers to the microfinance provided to customers by Internet companies through their holding microfinance companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.