When borrowing money, the comprehensive score is insufficient.

Obtaining the credit line of a good loan and applying for a loan after the credit line is available are two independent links, both of which need to be systematically and comprehensively evaluated. Therefore, having a credit line does not mean that you can definitely borrow money. If the comprehensive score is insufficient when borrowing money, then you still can't lend money, and you can't intervene manually. Only the loan page will prevail.

2. The loan amount of the day is limited.

There is a limit on the loan amount of a loan service institution in a day, just like a large cash withdrawal or a large transfer by a bank, which cannot exceed the maximum amount of the day. If the loan funds provided on the same day are used up, or the lending institutions are short of funds, there may be a situation that the quota cannot be released temporarily, and the page will also have corresponding prompts.

3. Internal causes of the system

For example, if the platform system or the system of a good loan service institution needs to be maintained and upgraded, the user's credit line may be temporarily frozen during this period and it is impossible to borrow money. If the loan application has been submitted, the approval and lending time may be extended accordingly. In this case, the loan can only be re-operated after the system is upgraded and returned to normal.

Second, what are the specific aspects of the lack of comprehensive score of good-term loans?

By finding out the specific aspects of insufficient scores, we can suit the remedy to the case, carry out appropriate remedies and salvage, and maybe we can borrow money in the next comprehensive evaluation of the system.

1. is currently overdue.

It not only refers to overdue loans of Zhaolian, but also includes overdue loans on other platforms. Through credit inquiry, the system can know in time. This overdue behavior is a very serious manifestation of bad credit and insufficient repayment ability. In order to stop the loss in time, Zhaolian's term loan system actively froze the remaining quota, so that users could not borrow the quota.

Solution: Pay off overdue debts as soon as possible, and control the adverse effects caused by overdue to a minimum, so that the system may restore the user's loan qualification in view of some good performance in the past.

2. overdue for many times.

The customer service of Zhaohao Loan explained that if users often overdue in the process of using Zhaohao Loan, the credit limit may be cancelled or lowered by the system's irregular comprehensive evaluation, so they can't lend the credit limit and freeze it, which is most likely the evaluation result after multiple overdue accumulations.

Solution: Good credit needs long-term accumulation to ensure that it will not be overdue in the future. With the passage of time, these overdue records will either disappear or only account for a small proportion, and you can borrow normally after there is no negative impact on credit.

3. Too many accumulated debts.

For example, more than 10 credit cards have been opened, and the utilization rate of credit line exceeds 80%; The loan account is more than 10, and there is not much left. These are all manifestations of excessive debt. Although there is no overdue for the time being, it does not rule out the risk of overdue. Therefore, the system decided to suspend the loan use of the good loan line first, so that it could not lend the line.

Solution: Only by controlling your own loan application and credit card use, paying off the debts that can be paid off as much as possible, alleviating the appearance of economic tension and reducing the debt ratio can it be conducive to restoring good long-term loan qualifications.

4. Illegal use of funds

Zhaolian good-term loan can only be used for general consumption purposes, such as daily shopping, traveling, education, medical beauty and so on. , can not be used for the purchase of housing, various investments and purposes prohibited by laws and regulations. Therefore, if the good long-term loan is suspected of illegal use in the previous use, it is very likely that the current remaining quota will be frozen, and the borrower may even be required to return all the loan items at one time.

Solution: Stop the illegal use of funds, voluntarily return the funds issued by the loan in advance, and dispel the doubts and concerns of the system, and then maybe the normal loan operation can be resumed in a few months.

The above is about "why can't I borrow a good loan when I have a quota?" I hope I can help you.

Why can't Zhaolian Finance get a loan?

The reasons why Zhaolian Finance can't borrow the quota may be:

1, risk control. If your friend has serious overdue or credit deterioration, it may be detected by the big data risk control system, which will affect your loan application.

2. The borrower fails to repay the loan within the time limit. If the borrower is in loans overdue recently, he may not pass the loan review and cannot borrow money.

3. High debt. If you have a high debt recently and the platform is worried that you will not be able to repay on time, you may not be allowed to borrow.

For more information about why Zhaolian Finance can't borrow the quota, please visit: See More.

There is a limit for the loan with a good term. Why can't I lend it out?

The amount of long-term loans is evaluated according to personal credit information. If you can't borrow it, there are several reasons:

1. The applicant has a lot of loans on other platforms.

Although Zhaolian Good Term Loan is an online lending platform, China Merchants Bank is behind Zhaolian Good Term Loan. They have channels to know whether the applicant has loans on other platforms. If multiple platforms have information about applying for loans, there will be a risk assessment at the time of approval. Even if there is a quota, the exam will fail and will not be lent when actually applying. In particular, users who have applied for borrowing money, JD.COM gold bars, micro loans, etc. cannot borrow.

2. Applicant loans overdue.

Other platforms have overdue users and can't borrow them. In recent years, due to the epidemic, all walks of life are very difficult. Many people have difficulty in cash flow and rely on online loans to make cash flow. As a result, the funds could not keep up, and they were all overdue. After the deadline, they want to borrow money from other platforms to fill the pit in front, and the result is more and more, and it is slowly overdue.

For products supported by China Merchants Bank, such as Zhaolian Good Term Loan, you can see credit information. Therefore, when they approve loans, they will also approve according to this aspect. If the credit information shows that other platforms are overdue, you can't lend money even if there is a quota in the recruitment.

3. The applicant has more comprehensive responsibilities.

Another situation is that the applicant has a lot of comprehensive liabilities, including credit cards, mortgages, car loans and so on. If the monthly loan does not match his income, then there is a quota on the platform and the platform will not approve it.

For example, if your monthly mortgage payment is 3,000 yuan, your monthly car loan payment is 2,300 yuan, your minimum credit card payment is 4,000 yuan, and your monthly salary is just 9,000 yuan, or even less than 9,000 yuan, then the platform will judge that your repayment ability is insufficient and will not give you the next repayment.

Generally speaking, there are many reasons why the money on the platform cannot be borrowed. In the final analysis, there is something wrong with your own credit information, and there is no other reason.