360 loan approval probability
360 IOU application materials can be filled in according to the above rules. 360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.
The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.
The borrowing conditions of 360 IOUs are:
1. The borrower is at least 18 years old and has full capacity for civil conduct;
2. The borrower has good credit and no bad records or illegal acts;
3. The borrower has a stable job and income and can repay the loan on time.
In fact, the loan threshold of 360 IOUs is low, and anyone who has a normal and stable job can apply. The maximum application amount is 200,000 yuan, and the specific amount will be reviewed according to the information submitted by the borrower. If borrowers can provide more financial proof, they can get more loan lines.
Extended data:
360 IOU is a personal and microfinance platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. Based on 360 big data, the credit of customers is evaluated, and instant consumption loans are provided on this basis.
On July 7th, 202 1, the core product of QFIN. US, a financial technology company listed in the United States, has been removed from several application stores. The pre-market decline of the 360 target expanded to 20%.