Hello, if the application fails, I suggest you apply again in 15 days or a month.
If it doesn't pass, then I suggest not to apply for online loan products within three months, and then apply after the credit is repaired.
Hope to adopt.
What is the reason for the failure of Didi loan?
Didi loan will review the loan, and the loan can only be obtained after the approval. Failure is failure.
If the borrower fails to lend money, it means that the borrower's withdrawal application may not pass the review of Didi Loan.
Under normal circumstances, the borrower's debt ratio and credit situation will affect the approval of Didi loan.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.
However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.
Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.
The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.
The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract.
The interest rate of loan contracts with banks and other financial institutions as lenders can only be negotiated within the upper and lower limits of interest rates stipulated by the central bank. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail.
In addition, if the lender violates the regulations of the central bank and collects any other fees except interest, it will be punished by the central bank.
The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.
Didi loan failed.
1 ID card expired.
The ID card is valid. If the ID card expires and the system cannot detect the authenticity of the applicant, it will refuse the loan.
2 Credit decline
Didi loan has very strict requirements for the applicant's credit information. If the applicant's personal credit information is overdue recently, the system will directly refuse the loan.
3. Insufficient repayment ability
Didi loan attaches great importance to the borrower's repayment ability. If you have a large number of outstanding debts at present, you have basically reached the limit of your repayment, which will lead to the inability to borrow Didi loans.
In addition, Didi Loan also requires the borrowing age. Didi loan only provides loans for people aged 22-40. If the age is beyond the scope of application, you can't lend it out.
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.
brief introduction
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance.
At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.
Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
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 regulations of microfinance companies, give full play to the advantages of peer-to-peer 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.
How high is the amount of Didi loan? How long does it take to review the quota?
Check the total amount of Didi loans:
Mobile phone: iOS 12
Open the "insurance" option in the "wallet" column of Didi Chuxing APP, and find that the "borrowing money" column opens, and an attractive screen will appear: the maximum loan amount is 200,000 yuan, and the words "Didi Loan" are at the top of the page (after entering the APP interface, this is already a four-step operation). Click "Give priority to Didi loan quota" at the bottom of the page, and the background prompts that "the opening scale will be gradually expanded, and a text message will be sent at that time".
Moreover, the maximum amount of Didi loan is 300,000, and the actual amount may not reach such a high level. The amount of Didi loan is generally tens of thousands of yuan. If the Didi driver has a long experience, many orders and good credit, it should not be difficult to borrow 300 thousand. Because Didi loan should comprehensively evaluate you, and decide the loan amount according to the evaluation results. The life cycle of Didi loan is 3-36 periods. If necessary, you can download the online application of Didi Loan APP. After submitting a loan application, it can generally be reviewed on the same day. If the loan fails, it is generally due to the following reasons: First, the unqualified Didi driver needs to run more than 2,000 tickets to apply for a Didi loan. The real-name registration system has been used for more than half a year, and Sesame scored more than 600 points, with no overdue record. According to netizens' feedback, Didi Loan is both a credit investigation and a credit investigation, paying more attention to credit.
In addition, the maximum application amount of Didi Loan is 200,000 yuan, and the longest service period can reach 12 months. The materials required for the application are also relatively simple, mainly identity authentication, payment card and mobile phone number verification bound by payment card. Its loan interest is calculated on a daily basis, and the daily interest rate can be as low as 0.02%. In other words, you apply for a loan of 10000 yuan on Didi Loan, and the daily interest is only 2 yuan. According to the feedback from users in the next paragraph, when I borrow money for the first time, there will always be a call back to me. Please keep the phone open and pay attention to answering it in time.
Finally, Didi Loan is a loan product for checking credit information. Didi Loan's partners are New Network Bank, Zhongyuan Consumer, Yin Hang and other banking institutions. If the credit information is not very good at the time of application, it is easy to be rejected. Customers with better qualifications can try to apply.