You can't apply for a loan simply by relying on your mobile phone number. Other materials are required to apply for bank loans. If you make a loan on the online lending platform, at least you need to submit personal valid identity information. Most of the platforms that can borrow money simply through the mobile phone number are informal platforms, so be careful not to be fooled.

To apply for a loan in a bank, the borrower needs to be at least 18 years old, have a stable job and be able to repay the loan on time. The borrower also needs to submit the bank flow in the last 6 months, and the personal credit information is good; The above points are the basic conditions for handling all kinds of loans, and finally submit other conditions stipulated by the bank.

The general process of bank loans:

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2. After receiving the application form at the counter and filling it out, submit the form together with the materials. When the bank accepts it, it will review it according to the information provided by the customer.

As soon as the audit result comes out, the bank will inform the customer. If approved, the loan amount will be approved.

4. Customers who have received the notice of approval shall sign the loan contract at the outlet within the agreed time and go through the relevant formalities (such as mortgage loan needs to be registered as collateral).

5. Banks issue loan funds.

When borrowers borrow money on online lending platforms, it is best to compare different platforms, so that they can understand the loan amount and interest rate, and then choose the most cost-effective one. When borrowing money, users should think about the repayment plan in advance to prevent the later repayment from being delayed.

Users can't repay on time after borrowing through online lending platform, which will result in penalty interest. If they don't repay for a long time, it will also affect the borrower's credit information. At present, most online lending platforms have access to credit information. The overdue records of the online lending platform will also be uploaded to the credit information center, which will have a negative impact on personal credit information, and it will be more difficult to apply for loans again in the future.

Can I borrow money directly from my mobile phone number?

You can't apply for a loan just by your mobile phone number.

The general mobile phone number and address book are one aspect of the personal credit of the loan company, but it is impossible to apply for a loan only by mobile phone number. Lending institutions will only issue loans if they have ID cards, income certificates, employment certificates and other information.

Now basically all the mobile phone numbers have been authenticated by real names, and the mobile phone numbers are bound to our personal identity information, so it is reasonable that the mobile phone numbers can apply for loans. So, how is the mobile phone number lent out?

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

Application version: v7.5.7

China Mobile officially launched the "Mobile Loan app", and the entry condition for applying for a loan is that users with real names have been mobile for more than 6 months. Loan amount 100-200,000 yuan; Those less than 50,000 yuan can be handled directly on the app line, requiring personal ID card, name, mobile phone number and a savings card. But a large loan needs my signature.

To apply for a mobile phone loan in a bank, you need to prepare materials:

I. Personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

Third, provide proof of stable income sources: bank running bills, labor contracts, etc. ;

Other information stipulated by the bank.

Note: you must also bring your mobile phone number, which must be a real-name registration system.

Online loans need to meet the following conditions:

1. The borrower can provide an ID card.

Second, the borrower can provide a residence permit.

3. The borrower is over 18 years old and has full capacity for civil conduct.

Four, the borrower can provide personal bank flow.

Five, the borrower can provide proof of assets required by other lending institutions.

Six, the borrower's mobile phone number for verification.

Seven, the borrower can provide proof of the purpose of the loan.

Can I get a loan with my mobile phone number?

The mobile phone number can be used for loans, and the amount can be different according to different products. Mobile IOUs can be loaned 50,000 yuan, mortgages can be loaned 200,000 yuan, and provident fund loans can be loaned 65.438+10,000 yuan. There are other loan products, but the application amount of mobile phone IOUs is generally sufficient, and the review of mobile phone IOUs is also fast, and the amount of the next payment is not low.

How to increase the amount of mobile phone loans?

1, keep a good credit record.

When a large loan is needed, it will basically involve checking credit information, mainly to reduce risks. Therefore, if you want to apply for a higher loan, a good credit record is the basic condition for obtaining a high amount. Pay attention to keep your credit information good in daily life, pay back your credit card on time, and don't owe water and electricity bills.

2. The type of work unit and occupation also plays a certain role.

For some high-risk occupations, such as aerial work and blasting operation. If the work unit is relatively stable, such as the government, institutions, listed companies, etc. These can increase the amount authorized by the applicant.

3. Provide as many financial certificates as possible.

In order to obtain a high credit line, proof of property is still necessary. If you can provide real estate license, proof of provident fund payment, running salary, driver's license under your own name, etc. It will greatly improve the scattered lines.

Can I get a loan with my mobile phone number?

You can't apply for a loan just by your mobile phone number.

The general mobile phone number and address book are one aspect of the personal credit of the loan company, but it is impossible to apply for a loan only by mobile phone number. Lending institutions will only issue loans if they have ID cards, income certificates, employment certificates and other information.

Loan procedures:

1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor.

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for a loan.

(3) Correct the original unreasonable loans.

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates of the guarantor's consent to guarantee.

5] Project proposal and feasibility report.

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

: Uncover the secret about the mobile phone number of online loan.

1. Before applying for online loan, you must first verify whether the mobile phone number is real name and consistent with the applicant's name. If the ID card does not match the mobile phone number, the loan platform will suspect that you are suspected of fraudulent loans, and it is certain that 100% will reject your application.

Some friends will ask: if I don't want to return it, can I still find another mobile phone number? In the era of big data, if someone deliberately collects other information of users, do you think it is difficult to find you or your friends?

2. Before checking the application for mobile phone number, check the use time and consumption frequency of mobile phone number (making phone calls, etc.). ). Generally speaking, the newly opened mobile phone number cannot pass the loan review, and the mobile phone number of online loan is required to be used for more than 6 months, and it is frequently used and active.

3. Pay attention to verify whether the contacts in the address book have friends who are overdue and have bad credit. When applying for a large loan, we should also pay attention to whether those friends with poor qualifications are among the contacts. These may be the factors that ultimately refuse the loan. About friends, another thing to pay attention to is whether the emergency contact person you fill in really contacts frequently. If you fill in a close friend or family member, it will be a bad influence factor.

4. Regarding the address book, the most important thing is of course to check whether there are collection contact numbers of other small loan platforms and financial institutions. If there is or is in the call record, it is basically impossible to pay successfully.

5. On the repayment date, you haven't repaid the money, and you have called you many times to ask for money, but you ignored it. At this time, the online lending platform has already felt that you borrowed money and didn't pay it back, so it will grab all your address book contacts and bombard your address book one by one. You have to repay under pressure.

6. When you made a phone call on the Internet some time ago, there was a special black technology system that could locate your community. It sounds terrible. I feel like I'm living under a monitor. However, this statement has not been confirmed at present, and there is generally no door-to-door collection on online lending platforms.