The conditions for applying for "Meituan Borrowing Money" are as follows:
1. The applicant is over 18 years old.
2. The applicant's personal credit is good and there is no overdue record.
3. The applicant has a stable job and income and good repayment ability.
4. The applicant must be a user of Meituan, have a long-term and stable consumption record in Meituan, and have bound a bank card to open Meituan payment.
5. The applicant can provide personal information.
Specific rules:
1. First of all, Meituan can indeed provide loan services.
Users can enter Meituan APP- My-My Wallet and see Meituan's loan entrance. Opening it will open the living expenses and loans of Meituan, mainly three small loans of Chongqing Meituan and consumer credit loans provided by cooperative banks such as Yilian Bank and China Everbright Bank. The maximum amount is 200,000 yuan, which can be borrowed in 1/3/6/ 12 installments, with the daily interest rate starting from 0.02%.
2. Secondly, whether or not the US Mission can borrow money should be systematically and comprehensively evaluated.
Users who want to borrow money need to obtain a credit line. The approximate loan amount given on the page is not the actual loan amount. After clicking on the credit limit, they will be checked for credit. The system will give the loan amount according to the comprehensive evaluation of the user's current account and credit status. After the credit amount is issued, they can apply for borrowing money. However, there can be no line lending, and the system needs to conduct a second evaluation.
The previous credit evaluation results will not affect the loan evaluation, and the credit will be checked again. Usually, the user's account needs to be well used and active, and it is not overdue at present. The overdue times are discontinuous within two years, and the credit is not expensive. The key is that the credit responsibility cannot be too much, and the probability of passing it will be higher.
After the loan is successful, it will be reported to the central bank for credit investigation. The credit report will record the loan time, lending institution and loan amount, and report the monthly repayment record in real time. Once overdue, personal credit will be affected, and penalty interest and liquidated damages will be charged.
The above is "Can the US Mission borrow money?" . In short, Meituan's loan service is Meituan's loan service, but only those who have obtained the quota and passed the system evaluation can borrow money.