When it comes to borrowing money, people who often borrow money will find that with the increase of borrowing times, the loan interest rate tends to decrease gradually, but this is not absolute. Some netizens spit out micro-loan loans, and the interest is getting higher and higher. Then why is the interest on microfinance getting higher and higher? How to reduce the interest rate of small loans
Why is the interest on small loans getting higher and higher?
Microfinance will adjust the interest rate irregularly according to the borrower's account, and the interest rate of microfinance is getting higher and higher. Generally, there are the following situations:
1. The borrower's comprehensive credit is getting worse and worse. For example, using micro-credit in loans overdue, the repayment by credit card is overdue. These can be found in the credit report. However, when reviewing micro-loans, it is necessary to check the credit, and the credit is getting worse and worse. In order to control the risk of loans, the loan interest rate will rise.
2. The borrower's debt ratio has become higher. Although the repayment has been made on time, the loan has not been settled yet, so the repayment ability is worrying and the loan risk is increasing.
3. The borrower's activity on WeChat or QQ is reduced to QQ red envelope, and he does not buy Tencent related products. The borrower's activities do not support the system to judge its risk level, so the loan interest rate has increased.
How to reduce the profit of small loans
In order to reduce the interest rate of small loans, it is suggested to use WeChat to pay online and offline consumption, so as to reduce its debt ratio, which should not exceed 50%. The system will be updated from time to time, and the borrower will be informed if there is any interest rate adjustment.
How can the interest rate of small loans be higher and higher? Speaking of it, it is possible to decline if the comprehensive maintenance is good. 2. What is the maximum amount of 2.QQ loan?
See your credibility.
Third, how to loan QQ grade? What is the maximum amount of QQ micro-loan?
The Internet is quietly changing our lives, and Internet finance is also spreading on a large scale. Alipay can lend money, WeChat can lend money, and QQ can also lend money. So, how to borrow money at QQ level? What is the maximum amount of QQ micro-loan? The amount of QQ micro-loan is related to QQ data (age, gender, occupation), social relations (number of friends, transactions and exchanges), fund payment (loan amount, quick repayment) and QQ members (members, yellow diamonds, blue diamonds, etc.). ), QQ activity (online duration, application activity), QQ level (crown, sun, moon, etc. ) and other information. QQ micro-loan is only open to QQ authorized users, and this function is still in the internal testing stage. Invited users only need to log in to QQ, enter QQ wallet and go to "micro-loan" to see how much they can borrow. The application amount is between 200,000 and 200,000, with a maximum of 200,000.