What is 360 Loan
360 Loan is a loan product launched by 360 Finance, but 360 Loan itself is not lending money to the outside world.360 Loan will provide navigation services for people who need loans, and it is a third-party financial institution that actually lends money to loan applicants.
The following information is required to apply for a loan on the 360 Loan platform:
(a) The loan applicant's valid identification document.
(ii) The loan applicant's age needs to be 18 years old.
(iii) Proof of income of the loan applicant. Either a bank statement or other proof of financial strength is acceptable. It must prove that the loan applicant has the ability to repay the principal and interest on time.
(iv) The loan applicant's personal credit is good and there is no bad credit record.
(v) Provide the loan applicant's own bank card and bound cell phone number, and the cell phone number provided needs to be authenticated by real name.
In addition to these materials, in order to improve the probability of loan application through, you can also add some other supporting information, the more detailed the verification information provided, the higher the probability of the loan review through.
When taking out a loan on the internet, remember that anything that requires you to pay any fees before the loan arrives is. Under no circumstances should you send money, transfer money and pay any fees to anyone else first to prevent being scammed.
And don't be afraid of any threats from scammers. Since the other party is suspected, the contract signed with the scammer does not have any legal effect. There is also no such thing as a breach of contract. The scammer's threat of getting to you and demanding compensation for breach of contract is even more nonsensical.
What are the conditions required for a 360 lending loan
1, Chinese citizens aged 18-65 who have a fixed abode in China and have a permanent residence in a local town;
2, abide by the law and do not have any illegal behaviors and bad credit records;
3, have a proper and stable economic income Good occupation, with the ability to repay the loan principal and interest on time;
360 lending is based on 360's independent third-party credit assessment and management organization - 360 credit, through cloud computing, machine learning, 360 big data and other technologies to objectively present the individual's credit status. Based on the comprehensive consideration of credit risk, payment habits, consumption, etc., it grants users different consumption limits.
The application limit of 360 Loan is granted on the basis of the consumption and repayment behaviors accumulated by the user on the platform. The various behaviors of the user on the platform are dynamic and changing, and the corresponding limit is also dynamic, and when the user's behaviors are good in a period of time and in line with the policy of withdrawing the limit, the corresponding limit may be increased.
360 Lend-Lease takes multiple measures in security, risk prevention and control:
1. Establishing user credit profiles, 360 Lend-Lease builds a credit system based on sufficient social networking data, and will sort out each user's credit behavior profile and grade the user's credit limit.
2. Establishing a social behavior model, 360 Debit establishes a credit score calculation system based on the user's social circle, and uses the user's connections as a reference for credit rating.
3, the establishment of a white list black list system, for credit quality users to open a green channel, on the other hand, to provide black list user query, to prevent users from repeated applications, non-personal applications, false information, etc., to prevent gang sex.
4, leading security technology, relying on 360 leading cloud security system, 360 lending multiple technologies to protect the user's data security, privacy security, account security.
5, professional quality team, 360 has a leading domestic scale of high-level security technology team and from the domestic first-line large financial institutions of the risk control team.
What conditions are needed for 360 lending
A, the application of 360 lending need to meet the conditions of what are
1, in terms of age requirements, in accordance with the provisions of only 18 years of age and not more than 55 years of age applicants are able to apply for 360 lending, at the same time, only the mainland residents identity card holders Users can apply, hold Hong Kong, Macao and Taiwan identity card users can not apply for 360 lending
2, in the application of the bank card also has requirements, in accordance with the provisions of the application of 360 lending, the need to provide the bank card only includes the following banks savings card: CITIC, industrial and commercial, construction, transportation, Everbright, Pudong Development, Postal Savings, China Merchants, Agricultural Bank of China, CITIC, Ping An Bank, Societe Generale, Minsheng, Guangfa, Huaxia, etc. It should be noted that only savings cards can apply for 360 debit, credit cards can not apply for 360 debit.
3, in the application of 360 lending need to make sure that their personal credit record is not a problem, in the People's Bank of China's credit system does not query the serious credit problems of the user can apply for 360 lending, if there is a credit problem may lead to the failure of the application.
4, if you need to apply for a 360 loan, you need to ensure that the application of the use of cell phone number is my own and completed the real name registration, no real name registration of cell phone number can not complete the application.
Personal credit report
Two, how can it be easier to apply for 360 lending
Through the above list of conditions that need to be met to apply for 360 lending, it is not difficult to see, in fact, to apply for 360 lending is not very difficult, as long as these conditions can be met, there is still a great deal of hope that you can apply for a loan, and at the same time, in order to let the 360 platform to complete the review of the lending as soon as possible. Finish the audit for disbursement. Here is also summarized some methods.
1, in the 360 loan application platform will require some materials, if you can provide as many documents as possible, such as proof of income, proof of social security. If you can provide as many documents as possible, such as proof of income, proof of social security, proof of payment of provident fund, proof of unit, etc., you can effectively allow the platform to confirm the applicant's repayment ability, and will be able to more quickly complete the audit for the release of funds.
2, many users in the application of 360 lending failed, because of their own proportion of debt is too high, so in the application of 360 lending, you need to minimize their own debt, such as credit card debts or other debts.
3, if there is a credit card in the name of the credit card, can be very good to help Ping Cheng credit, so before applying for 360 loan, the applicant can also apply for a credit card all the time in order to enhance the chances of successful application.
Internet finance
Three, in the application of 360 lending need to pay attention to those issues
1, the applicant in the 360 lending platform application, you need to make an assessment of their own creditworthiness, to ensure that they can meet the platform to apply for the relevant requirements.
2. When borrowing money on the 360 Debit platform, you need to pay attention to the agreed repayment date to ensure that you can repay the loan as promised, so as not to bring more penalties and interest rates, and at the same time, affect your personal credit, which will bring a lot of inconvenience to your normal work life.
3, 360 lending platform will be classified for users, for some high credit rating, credit status of the white list of users, in the platform will be much more convenient to borrow, but for some poor credit rating, credit status of the black list of users, the audit will be very strict, in order to reduce the risk of their failure to pay back the money on time.
4, need to focus on reminding the users of the point, must be in the formal download platform to download the 360 loan app, so as to avoid the mistake of downloading some fake app encounter fraud.
What are the conditions required for a Rong360 loan
The application conditions for different types of loans are not the same, take the second loan as an example:
Application conditions:
Age requirements: 23-60 years old;
Job requirements: local work or registered business;
Microparticle loan requirements : The applicant has a credit line of microparticle credit and has used the line, the amount of 2000 yuan or more;
Other requirements: need to be processed in offline stores, and customers who have applied for a loan in the Friends of the letter can not repeat the application;
Credit requirements: less than 3 times overdue within 1 year, no overdue more than 90 days, do not accept people with credit blanks (credit reflecting the microparticle credit application records).
Required materials:
1, second-generation ID card;
2, credit report;
3, screenshot of Microparticle Credit.
Rong360 was founded in 2011, mobile financial intelligence platform, provides loans, credit cards, wealth management and other financial products search comparison and application services. The use of big data, search and other technologies, so that the financial products of hundreds of banks can be visualized in front of the user.
Expanded Information
Products and Services:
Rong360 provides users with a form to screen the user's real situation. After checking the basic financial situation, the user inputs the purpose of the loan, the amount, and the term, and then he or she can check which financial institutions offer this kind of loan, as well as the terms of the loan.
In addition, Rong360 provides the function of comparing multiple loans, so that the entire borrowing needs and conditions can be seen at a glance. Users can choose online which financial institution's lending manager to contact according to their preference.
Rong360 started from searching and recommending consumer loans such as commercial, home and car loans, and quickly moved into the credit card field. Users with application needs can search and compare thousands of credit cards in a one-stop shop, and fill out the information directly to apply online.