Now there are many loan platforms that can lend, giving borrowers many choices. Generally speaking, it should be easier to apply for a loan. After all, the requirements of each loan platform are high and low. But in fact, many people can't borrow money. Then, why can't I borrow any loans? What if the loan platform can't borrow money? Let's have a look.
Why can't I get any loan?
The loan is not available, mainly because the borrower's credit is too poor, which leads to the non-lending. Generally speaking, there are the following reasons:
1. At present, the formal loan platform will check the applicant's credit report when approving the loan. If there are serious bad records in the applicant's credit report, such as overdue for three consecutive years, or special transaction records such as bad debts, bad debts, debt repayment with assets, no matter which loan platform has credit information, loans will not be issued to such applicants.
2. There are no bad records in the applicant's credit report, but there are too many outstanding loans and credit cards, accounting for 50% of the total income, indicating that the borrower is in great debt. Everyone should know that evaluating a person's repayment ability depends not only on income, but also on liabilities. If the debt is too high, there will be problems in repayment ability and you can't borrow money.
In addition, the CBRC has limited the total amount of Internet loans per person to no more than 200,000. If a large number of loans have been borrowed before, the total amount of loans that have been used is relatively high, and the remaining loans are low, there is not enough credit.
What if the loan platform can't borrow money?
First of all, we should find out the reason why the loan can't be borrowed according to the above introduction, and then find out the solution.
In short, in a credit union, if a borrower wants to borrow any loan, he must first maintain a good personal credit record, have a stable repayment ability, and have enough loanable amount to meet the basic conditions of the loan platform. There should still be no big problem.
The above is the introduction of "Why can't I borrow any money from any loan". I hope it will help everyone.
What if the loan platform can't borrow money?
Although online lending is relatively easy, it may not be available. Many people have been refused online loans and are in urgent need of capital turnover. They don't know what to do. In fact, you can try these methods to solve it. Let's take a look at "What if online loans can't borrow money?"
What should I do if the online loan is not paid?
1, platform loan with low housing exchange threshold
Different online lending platforms have different risk control. If a loan platform can't be borrowed, change to a platform with a loose threshold, but the premise is to ensure that you have a stable repayment ability and no bad credit record. Otherwise, any platform will not lend, such as illegal credit reporting, excessive debt, or even no job.
2. Improve credit conditions before borrowing money.
This method can cure both the symptoms and the root causes. After all, any platform welcomes people with better qualifications.
Borrowers can first judge where there are shortcomings from their credit information and repayment ability. For example, if the credit information is not very good, you can first mention the credit information and control the application frequency of credit cards and loans; If the repayment ability is not good and the debt is high, try to pay off part of the debt, or take a part-time job after work to increase your income.
Use the assets in your name as a mortgage.
If you can't borrow money from online loans, you can go to offline loans. Offline loans can submit various materials to prove that if there are mortgaged properties such as houses and cars, they can be mortgaged to loan companies to obtain funds. If bank loans are preferred, the interest will be lower. After the mortgage loan is handled, it must not be overdue, otherwise the collateral may be auctioned.
4. Ask parents, relatives and friends for help
Online loans can't get money, and it is also a way to find help from parents and friends. It is best to explain the purpose of borrowing money, explain the economic situation and show the sincerity of borrowing money. Remember to write an IOU. If you are afraid of losing paper IOUs, you can type IOUs on WeChat, search for Tencent's electronic signing service on WeChat-small IOUs, and create IOUs.
The above is the introduction of "What should I do if I can't get the money from online loans?". I hope it will help everyone.
What if all the online loans can't be lent out?
You can't borrow online loans Maybe your personal credit information has been affected. It is recommended that you apply for a loan on a reasonable and formal platform, and please return the loan arrears in time.
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online 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 sub-category of the Internet finance (ITFIN) 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.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.
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. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulatory provisions of the grandsons of microfinance companies, give full play to the advantages of online lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.
Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
The inherent capital of online lending platform is small, so it can't bear the large guarantee of tomato rolling chain. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, and the purpose of the founders of the loan platform is not simple, and cases of absconding with money occur frequently.
Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.
What if many loan platforms can't borrow money? Try these methods.
There must be a reason why many loan platforms can't lend, such as whether personal credit information is tainted, whether there is no platform willing to lend, whether loan applications are too frequent, and whether there is a risk of not paying loans if the debt ratio is too high. You have to know that many loan platforms can share big data, so you have to figure out why you can't lend before you know what to do.
The loan conditions of the loan platform are nothing more than these points. With good personal credit, stable work income and repayment ability, he is an active person in the loan platform. Then we will analyze what to do if we can't borrow money from these three aspects.
1, keep personal credit.
The credit has been spent, and there is no other solution, only time can be used to prove that personal credit has become better.
Generally speaking, the negative record of overdue payment can only be eliminated after five years of payment.
In other words, pay off the overdue money first, and then maintain the credit within five years, and you can change it without any stain to facilitate the passage of the loan in the future.
2. Work hard and plan financial management.
It is impossible for an excellent young man not to work. As long as he has not reached retirement age, he should continue to work hard for a serious life or the value of life.
Once the income from work increases, don't be extravagant. You should leave room. It is suggested to think about financial planning to increase the value of your money, at least to preserve it.
This will not only show your income repayment ability, but also use wealth management assets as a guarantee for your loan.
3. Become an active member of the loan platform.
Many loan platforms have their own consumption background. For example, the background of borrowing money is that Alipay should be active, and the background of micro-lending is naturally an active user of WeChat. The background of JD.COM gold bars is the shopping platform in JD.COM.
Assuming that your Alipay account has not been logged in for many years, chat transfer, living payment and wealth management shopping are all through WeChat, then you can borrow micro-loans. Why did you lend money to a stranger? Similarly, if you only visit Taobao or Alipay, the shopping platform in JD.COM is basically unnecessary. Why can JD.COM Gold Bar provide you with cash loan service? Anyway, you have no shopping needs in JD.COM.
Therefore, choosing a suitable loan platform and becoming an active member of the loan platform can greatly improve the loan pass rate.
The above is about how many loan platforms can't get loans. If you really need money badly and have no time, you can only find family and friends to save you.