1, personal basic information

For example, the borrower's work unit, education, marital status, etc. A stable job and income can provide guarantee for future repayment, and banks or financial institutions also prefer borrowers with high academic qualifications.

2. Personal income certificate

Proof of income is not the same as running water in a bank. The income certificate shall be issued by the employer and stamped with the official seal of the company before it takes effect. This kind of proof is more valuable than bank running water.

3. Personal credit report

Personal credit is one of the important bases for loan reference. Users with good credit show strong repayment ability and willingness, while users with poor credit are at risk of default repayment. Banks and financial institutions are more willing to lend to customers with good credit.

4. Personal assets certificate

In addition to proof of income, other proof of assets can add points to personal loan qualification. Such as real estate, automobile production, securities, insurance policies, etc. It can be used to prove that you are rich in assets and have sufficient repayment ability.

5. Personal liabilities

The debt ratio is also the basis for banks or financial institutions to refer to. If the borrower has a large amount of debt recently, then the loan is at risk of default.

Loan qualification refers to the index used by banks or financial institutions to measure the borrower's credit and repayment ability when lending money.

Different lending institutions and different loan products have different requirements for applicants' qualifications, but there are several major elements:

1, basic information

Before applying for a loan, you must first provide the most basic personal information to the lending institution, mainly including your ID card and mobile phone.

ID card requires ID card scanning or uploading ID card photos. The mobile phone must be authenticated by real name. The real-name registration system takes at least 3 months, preferably more than 6 months, allowing the operator to authorize, that is, allowing the loan APP to run on the system.

In addition, it is best to recognize faces by mobile phones, which can simplify some verification processes and speed up the process of loan approval, and there are more types of loan products to choose from.

2. Personal credit information

Credit information represents the repayment intention of the applicant. The credit review of online lending platform mainly includes personal credit report and sesame score. At present, most loan products are required to be reviewed.

Among them, there must be no serious stain on the personal credit report, otherwise it is basically difficult to get a loan. In fact, the limit of general lending institutions is that it cannot be overdue three times in half a year and four times a year. Sesame score is usually required to be above 550 points, and it is best to keep it above 600 points.

3. Online data

Nowadays, many loan platforms use big data algorithms to complete the docking of users and products. Detailed online data can make the system better understand users' preferences and characteristics, and make accurate portraits of users accordingly, and recommend the most suitable credit products for users.

Online data, in addition to the data accumulated by the platform itself, mainly come from Alipay, Taobao and JD.COM. These data reflect a user's consumption ability and characteristics, and have a great influence on loan approval.

4. Proof of ability

In order to reduce the loan risk, the applicant should not only have the willingness to repay (credit), but also have the ability to repay. Among them, lending institutions pay more attention to the fact that applicants should have a high-paying and stable job, that is, a work certificate. The more stable the occupation type, the better, such as government employees, doctors, lawyers, etc. The higher the income, the better.

In addition to proof of work, credit cards are also a good material to show their abilities and qualifications. With a credit card, it shows that the applicant's qualification has been recognized by financial institutions to a certain extent, and it will be much more convenient to borrow money or apply for a card with a credit card.