If there is no overdue loan, it is likely to be caused by the following reasons:

1. Age is not up to standard. Although customers 18 years old can apply for loans, the regulations will be different for different loan businesses. For example, some may have higher age requirements, and they must be 20 years old, or 22 years old or 23 years old to apply.

2. The city where you work and live is not within the application scope of loan account opening. Many loans are invited and applications are gradually open, so only people in some cities can handle them.

3. Not a designated loan group. Like many loan products, college students are not allowed to apply.

4. The income level can't meet the requirements of the handling bank (lending institution, platform), and even there is no stable job and no sustainable source of economic income.

5. There are many loans and credit cards in the customer's name, and even many credit products have been applied frequently recently, resulting in high personal debt and long-term borrowing; When applying for a loan, they failed to provide sufficient proof of income and financial resources, and banks (lending institutions and platforms) suspected that their economic life was unstable and their repayment ability was insufficient.

Extended data:

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest.

Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Why can't I borrow money from all my online loans?

Online lending institutions generally refer to users' online credit information or people's bank credit information. If both of them have bad records, no matter what online loan products they apply for, it is difficult to pass the examination. The bad credit information of users may be caused by insufficient repayment ability or weak willingness to repay. No matter what the reason, it is risky for online lending institutions to lend money to users.

Online lending institutions are more willing to lend money to users who can repay on time, so credit information is very important to users, and users must maintain their personal credit information.

Suddenly, all online loans can't borrow money.

Suddenly, all online loans can't borrow money, which may be caused by the following reasons: the online lending institutions have insufficient lending quotas, the lending policies have been tightened, the personal credit information has been bad recently, and the personal debt ratio is high. The above reasons are all * * *, which means that most users will not be unable to get a loan for one reason.

In addition, if all online loans are not available for the time being, users can apply again at intervals, and repeating the application in a short time will not improve the application pass rate.

Extended data:

It is not enough to treat online loans, and it is divided into three steps.

The first step is to stop all loans and seek the understanding and help of your family. First of all, don't use loans to support loans, which will only make online loans more and more, and all platforms will be overdue. Confess to your family and strive for their understanding and help.

The second step is to collect the rational reaction in the face of profiteering. Send a statement in the circle of friends in advance to explain that you are suffering from profiteering collection, apologize for the possible harassment of everyone, and suggest that you hang up these ridiculous phones, leave new ones for everyone, and reduce the use of old phone numbers.

The third step is to understand your dishonesty and try to repay the loan. Check your credit through the credit information center to find out which online loans have entered the credit information system and which ones have not, so as to give priority to repayment. More importantly, find a job and work hard to make money, negotiate with banks or lending institutions, extend the repayment period or return it in installments.

Online loan arrears are too much to handle:

1. Take the initiative to contact the platform after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some platforms will have a few days of tolerance, and some platforms will report overdue records to the central bank's credit information center next month. Therefore, once they are found overdue, they should contact the online lending platform as soon as possible to try to solve the problem before reporting;

2. For loans with interest exceeding the specified amount, choose a legal treatment method: according to state regulations, the comprehensive interest rate of any loan cannot exceed 36%. Therefore, if the user's loan exceeds the specified amount, he can protect himself through legal means, and the user who exceeds the specified amount does not need to return it.

3. Find ways to raise funds. You can borrow money from relatives and friends. If you can't borrow money, those who are not unemployed will go to work with peace of mind, and those who are unemployed will actively look for jobs or find good ways to make money, but don't take the road of breaking the law and committing crimes. Online lending is not urgent. The state will protect your personal safety from infringement.

4. Return your own funds reasonably for repayment: As long as users have a certain income, they can gradually repay their loans by returning part of their loans every month. Users should also have a reasonable plan when repaying money. First of all, they should plan loans with higher interest rates, and then repay them with greater economic pressure.

What if all the online loans can't be lent out?

It may be caused by policy tightening, insufficient loan amount, poor personal credit reporting and high personal debt ratio. Generally speaking, users can't lend all their online loans, which is caused by many reasons, not just one reason. At this time, users need to stop applying for online loans and try to apply for online loans after half a year. Frequent application for online loans in a short period of time will not only lead to too many credit inquiries, but also directly affect the audit results of online loans.

First, online lending, p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subclass of Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

Third, the essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

Fourth, by encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

5. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

6. Network microfinance refers to the microfinance provided to customers by Internet companies through their holding microfinance companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.