People often use WeChat and QQ. Do you know if you have borrowed money through these two channels? Micro-loan is the first Internet credit product launched by Weizhong Bank. At present, it has been launched on both WeChat and Shouq, and the amount of micro-credit is between 5 million and 200,000. The total loans of Shouq and WeChat platforms cannot exceed the micro-loan quota.
Micro-loan can obtain its own loanable amount within 1 second, and customers can complete the loan operation within 1 minute; The payment is very fast, and the loan will be received in three to five minutes. Compared with the cumbersome process of credit card and P2P personal microfinance, the user experience is not very good.
So, how to apply for a small loan If I have money to spend, I will take WeChat as an example to teach you to apply for a small loan today. At present, micro-lending is a "white list" promotion, and only invited people are eligible for loans, and the judgment standard is the user's personal credit. So if you want to apply for micro-loan, you must first open your WeChat to see if there is a micro-loan interface. People who often buy movie tickets and transfer money on WeChat are more likely to borrow money from micro-loans.
If your WeChat wallet doesn't have the entrance shown above, wait patiently. Microfinance means that it will be open to more users in the future. If your WeChat wallet page is the same as the above picture, you can start applying if you have an entrance to borrow money from micro-loans. Click on the micro-loan to borrow money, and jump to the following figure:
Check the "China People's Bank Credit Inquiry Authorization and Loan Related Agreement", tick "Agree" and then click "View Loan Limit".
Everyone has a different quota. For example, the picture above is 18000. After checking the quota, click Borrow to start the application. The minimum loanable amount is 500 yuan. You need to choose the number of repayable periods, the longest is 20 months and the shortest is 5 months. You can also repay in advance without penalty, provided that the interest of prepayment is calculated to the day when the debt is paid off.
Is the borrowing process of micro-loan very simple ~ Moreover, micro-loan can be directly transferred to the bank card account bound by the borrower's WeChat. Unlike some online merchants who transfer money to Alipay account, Alipay also charges a handling fee, so micro-loan is not only simple to borrow, but also slightly lower in cost.
What is the maximum amount of microfinance?
The amount of micro-credit depends on the user's personal qualifications. The system will comprehensively evaluate users and give corresponding credit lines according to the scores.
Generally speaking, the credit line of micro-loans ranges from 500 yuan to 300,000 yuan, and the minimum amount that each user can borrow is 500 yuan, and the maximum amount is 40,000 yuan.
If the loan exceeds 40,000 yuan, the borrower can make multiple loans. Suppose the borrower wants to borrow 50,000 yuan, which can be divided into 40,000 yuan and 1000 yuan, and apply for two loans.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" adopts the official invitation system. At present, users are invited to see the entrance of "micro-loan" in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and the maximum loan amount can be 200,000 yuan.
"Micro-loan" products are positioned as Internet micro-credit products, with loan amount below 200,000 and loan interest rate lower than that of general credit cards. Klogo
"Micro-loan" is the first batch of customer-oriented users who are most suitable for "micro-loan" through the "white list" mechanism, mainly in Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet. [1] "Micro-loan" adopts the user invitation system, and randomly selects white-listed users from users who meet the current credit conditions and invites them to use the products.
Users only need to bind the bank card and click "borrow money" with one click. The system will judge the personal credit situation within a few seconds and give a certain amount. Users can complete the loan online without any collateral and fill in the information according to the corresponding prompts.
Users only need to click "borrow money" at the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 500 yuan to 200,000 yuan. Users can complete the loan within 3 minutes without any collateral and fill in the information according to the corresponding prompts. After borrowing money, you can settle it in advance at any time, with daily interest.
On May 5th, 2065438, "micro-loan" was officially launched on mobile QQ, and on September 4th, it was launched on WeChat. Invited users can find "micro-loan" in "WeChat-Me-Wallet" or "Mobile QQ- Me -QQ Wallet-Fund Management".
The credit algorithm mainly relies on social data accumulated by Tencent for many years and personal credit data of the central bank. In addition to personal credit reporting, social data accounts for a very important part of our scoring system. Whether it's' micro-loan' on WeChat or mobile phone Q, users' data in the whole Tencent system products will be fully referenced when granting credit, with emphasis on social data of these two platforms.
However, in different channels, the criteria for judging the quota will be focused. For example, the' micro-loan' on hand Q will refer more to the activity of hand Q when setting the credit line for users; The' micro-loan' on WeChat will refer more to the activity of WeChat.
What are the application conditions for microfinance?
Prerequisite: entering the white list
The prerequisite for applying for small loans is to enter the white list selected by Weizhong Bank. Only by entering the white list can you apply for small loans.
Micro-loan is the first group of users who choose the best customer orientation through the "white list". If users find the "micro-loan" icon in qq wallet, it proves that they have become the first customers of Weizhong Bank, but they have not let go of their independent application portal.
If you are already in the "white list" of Weizhong Bank, just bind QQ to any bank card and click on micro-loan, and you can check your credit limit. If necessary, you can click on the loan. Small loans provide 24-hour service.
Prerequisites: Good credit and repayment ability.
The application for microfinance is approved online, so the applicant's credit status is very important for the success of microfinance application. In addition, microfinance is unsecured pure credit, so the repayment ability of the applicant is also an evaluation index for the success of the application.
Micro-credit loans Micro-credit products are characterized by "no mortgage, no guarantee, repayment as you borrow, and daily interest". Everyone has a different credit line for "micro-loan", ranging from 20,000 yuan to 200,000 yuan. The loan bears interest at five ten thousandths of a day, which is equivalent to the expected annualized interest rate of about 7%- 18%. The annualized interest rate is low, and the loan can be released on the same day as soon as possible.
What are the conditions for opening small loans?
What are the conditions for opening a small loan account?
First, more activities and more consumption.
In WeChat, try to be active and spend as much as possible. It can be consumed through WeChat, such as online payment of telephone bills, utilities and so on. , and using Alipay to settle offline in supermarkets and shopping malls can help you meet the opening conditions as soon as possible;
Second, real-name authentication and card binding.
Personal identity authentication (filling in personal basic information) and then binding your bank card can greatly improve your credibility, and the bank is also a way for you to withdraw cash for your next payment;
Third, the credit record is good.
A good personal credit record is the most important point. Wechat micro-loan evaluation will invite you, focusing on your credit history. If you have an overdue record, it will definitely affect you.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" adopts the official invitation system. At present, users are invited to see the entrance of "micro-loan" in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and the maximum loan amount can be 200,000 yuan.
"Micro-loan" products are positioned as Internet micro-credit products, with loan amount below 200,000 and loan interest rate lower than that of general credit cards. Klogo
"Micro-loan" is the first batch of customer-oriented users who are most suitable for "micro-loan" through the "white list" mechanism, mainly in Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet. [1] "Micro-loan" adopts the user invitation system, and randomly selects white-listed users from users who meet the current credit conditions and invites them to use the products. [4]
Fold and edit this lending step.
Users only need to bind the bank card and click "borrow money" with one click. The system will judge the personal credit situation within a few seconds and give a certain amount. Users can complete the loan online without any collateral and fill in the information according to the corresponding prompts. [2]
Users only need to click "borrow money" at the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 500 yuan to 200,000 yuan. Users can complete the loan within 3 minutes without any collateral and fill in the information according to the corresponding prompts. After borrowing money, you can settle it in advance at any time, with daily interest. [6]
On May 5th, 2065438, "micro-loan" was officially launched on mobile QQ, and on September 4th, it was launched on WeChat. Invited users can find "micro-loan" in "WeChat-Me-Wallet" or "Mobile QQ- Me -QQ Wallet-Fund Management".
[8]
Fold and edit this development activity.
2065438+September 2005 14, the new version of 6.2.6 was launched on WeChat for iOS. The highlight of this update is that WeChat has added micro-loans under the column of "wallet-bank card". [5]
The version update adds the following functions: in the upper right corner, display the QR code to collect money; Add more artists' contributions to the emoticon store; Improve the experience on Apple watch and improve quick response and notification. [5]
Micro-loan has realized online operation, without face-to-face signing, and has realized 7×24 hours uninterrupted service. The main service targets of microfinance are individuals and self-employed individuals. By the end of 20 17, there were over1300,000 active credit customers and over10/0,000,000 accumulated loan customers, with an average loan of only 8,200 yuan, covering 3/kloc-0 provinces, autonomous regions and municipalities and 567 cities in China.