Have your friends had this experience when applying for a loan: the loan amount is generally relatively low, usually around 1,000, and it is difficult to increase the loan amount and is often lowered.

Why is this? After consulting the reviewers, I can summarize for you that the loan limit was reduced because the following four points were not done correctly!

1. Application is not specific

Friends, do you apply for different loan products every time, and "run away after applying". If you use a platform or loan product no more than twice and have no platform loyalty at all, how can you ask others to increase your credit limit?

Correct operation

Combine your own conditions, find one or two loan products that suit you, and repay on time. Generally, when you apply for the third time, the loan platform will take the initiative to increase the amount for you.

2. Credit investigation "spent"

If you are overdue a lot, you will be on the industry's "credit blacklist." These data will be shared among online small loan companies in the industry. Therefore, if you are clearly not overdue on this platform, but your quota increase has failed, this is probably the reason.

Correct operation

If you repay your loan on time, it will not only be easy to borrow again, but also easy to increase the amount.

3. The debt ratio is too high

In the past, friends always complained that my credit score was very good, there were no overdue records, my job was stable, and my income was good, about 5,000 per month. . But why do I always fail to raise the amount on the loan platform?

It turned out that he had borrowed a lot of money from many loan platforms, and coupled with the credit card bills, he was basically in debt every month.

Correct operation

The best way is to control consumption and reduce the debt ratio. If the number of "buy, buy, buy" is reduced, the debt will naturally be reduced.

In addition, if you have too many credit card accounts in the current period, you can apply for credit card installment repayment. The debt ratio can be reduced, but the cost of credit card installment is not small, so choose carefully.

4. Unstable work

Nowadays, there are countless small loan products, but through big data it can be concluded that the minimum requirement for the increase in the amount of most loan products is that the borrower has a stable Work.

This information may include: name of the work unit, phone number of the work unit, base to salary flow, etc. Some freelancers, self-employed individuals, and even those who have just resigned may not be able to receive a quota increase.

Correct operation

Try not to apply for a loan during your resignation period. If you are a freelancer or an individual business owner, you can prove your ability to repay the loan in the form of "self-storage flow" . If you have social security or provident fund payment certificates, this is also a great tool for increasing the amount.

Friends, pay more attention to these four points when taking out loans in the future. Increasing the amount will no longer be a big problem.