Now the loan is relatively simple. In addition to bank loans, other financial institutions can also apply for loans. But the loan is not a loan, and the borrower needs to meet certain requirements. Let's take a look at several items that may need to be verified when lending.

1, sesame credit score

Sesame Credit is a credit information system launched by Ant Financial, which evaluates consumers' credit through big data and other forms. At present, many lending platforms have launched this credit system and used this credit score as a reference for lending. If the sesame credit score is relatively high, then the corresponding loan amount that can be applied for will be relatively large. On the contrary, if Sesame's credit score is relatively low, then you may not be eligible for a loan.

Step 2 prove

When applying for a loan on the platform, the platform will first verify the identity information of the borrower, and then use the borrower's ID card. In addition to the ID card, there is a more advanced verification method, that is, face recognition. Through face recognition, combined with big data comparison, the loan amount is determined according to the results.

3, mobile phone address book

Now, if you want to apply for a loan on some platforms, the platform will generally require borrowers to register with their mobile phone numbers, and this mobile phone number needs to be used continuously for more than three months. After registration, you need to verify the mobile phone address book. The reason to verify the mobile phone address book is because the platform is checking whether you are still in contact with other lending institutions. If you contact too many lending institutions, then the platform is likely to reject your loan application. Another purpose of verifying the mobile phone address book is to get your mobile phone contact information. Once you are unable to repay, the platform will probably call your address book contact to urge you to repay.

4. Credit card bill

The purpose of verifying the credit card bill is to check whether you have overdue repayment, so as to judge your credit status and repayment ability.

The above are some things that may be verified when applying for a loan, so you must protect your credit situation in your daily life, otherwise it may bring a lot of trouble in the future.