Nowadays, many people are reluctant to borrow money to trouble others, but will go to various lending platforms for loans. But many people can borrow it on some lending platforms before, but 202 1 can't. I don't know if the current lending platform can't get a loan? In fact, whether the lending platform can lend money depends on three reasons.
Is the loan platform unable to get a loan now?
No, 202 1, many people borrowed money on the loan platform. For example, 360 IOUs, good loans and flower peas can also provide loan services, but not everyone can borrow money. Mainly through three judgments: first, the borrower's credit conditions, second, the loan policy, and third, the platform reasons.
If you can't borrow money, it is very likely that one or more points have not met the loan conditions. Let's analyze it in detail.
1. Credit conditions of the borrower: First, the basic conditions must be met, that is, the age meets the requirements and there is a stable job and income. Secondly, the credit is good, the credit information is not expensive or black, and there can be no overdue at present. The debt ratio on the letter newspaper should not exceed 50%, and the account number should be active, so that the comprehensive score of these borrowers will be high.
2. Loan policy: CBRC's control over the online loan industry has not been relaxed, and various policies have been introduced one after another. For example, five ministries and commissions jointly issued a notice stipulating that microfinance companies are not allowed to issue Internet consumer loans to college students. If the borrower is a student, it is very likely that he will not lend money now.
3. Platform reasons: Many lending platforms are small platforms, and their strength is not enough to cope with fierce industry competition. They are likely to close down or transform the loan industry, and some will reduce the scale of lending and only release a part of the loan every day. Only those who grab the quota have the opportunity to borrow it.
The above is "Can't the lending platform lend now?" I hope it will help everyone.
Why can't I get a small loan? This consequence is the most serious.
The threshold of microfinance is low, and the requirements for borrowers are relatively loose. Many friends borrow small loans to turn around when they lack money. But many people find that small loans can't go out, and they want to know what is going on. Let's briefly introduce it today.
Why can't I get a small loan?
If you find that microfinance can't be borrowed, let's see if it's the platform. After all, under strict supervision, many microfinance platforms will stop lending or reduce the scale of lending, and some need to grab the quota every day to withdraw cash, but this situation is still relatively rare.
If you can't get loans from many small loan platforms, the biggest reason may be that the borrower's credit conditions are not good, mainly in the following aspects.
1, poor credit information: Many small loans will also be authorized to check credit information. For example, users who are tired of surfing the internet basically don't have to consider it, and they won't lend it if it is overdue. In addition to the central bank's credit information, there are still a lot of big data on the Internet that can enjoy the information that Lao Lai can't repay small loans and can't borrow.
I changed my new number. Micro-loans are usually registered by using the real-name registration system, which often takes more than half a year. If you apply for a small loan with a new mobile phone number, the platform can query the usage of the borrower's mobile phone package through the operator's service password.
3. Too much debt. This is an important reason why many people have been refused small loans. The small amount of small loans does not mean that they can not be repaid. Too many small loans, higher and higher liabilities, high loan risk coefficient, scattered repayment ability, can not be recovered.
In short, if the small loan can't be solved, I suggest you improve your personal qualifications first, such as increasing revenue and reducing expenditure, and trying to make money. When your income is high and your ability to repay loans is strong, not to mention small loans, you can easily borrow large loans.
Why can't we get a small loan now? Why is the small loan not available now?
At present, many small loans are mostly credit loans, the amount is not very high, and the requirements for borrowers are relatively low. You can borrow money without submitting simple personal information such as mortgage guarantee. But there are also many people who can't even get a small loan, so why can't they get a small loan now? Why is the small loan not available now? Let's have a look.
Why can't we get a small loan now?
If the micro-loan is not available, it is recommended to look at the operation of the micro-loan platform to be borrowed first. After all, many microfinance platforms are not very strong and are easily eliminated in a highly competitive environment. Generally, the micro-loan APP can't be downloaded, official website can't open it, and the contact number can't be reached. Most of them have closed down or retired, but they still have to pay back the borrowed money.
However, if microfinance is operating normally, but many loans can't be made, the key is that the borrower's personal credit status is out of order, especially the bad personal credit information is more serious. As long as the microfinance is in the credit report, it will directly refuse the loan if it is illegal and overdue.
Why is the small loan not available now?
As mentioned above, if it is not because of the microfinance platform, one of the reasons why the loan is not available is that the lender has a problem in qualification, such as the black account of credit investigation. At present, the borrower's personal debt ratio is relatively high, which affects the repayment ability, or there is a phenomenon that multi-head lending is considered impure, and it may also be rejected.
In addition, the lending scale of the microfinance platform is limited, and the daily lending quota is limited. Lenders need to grab the limit before lending. If every loan indicates that the quota has been robbed, it is likely that the quota has been used up today, so we can only wait until tomorrow to grab the quota.
The above is "How can you not borrow a small loan now?" I hope it will help everyone.
I want to ask, have you stopped issuing small loans now?
At present, small loans are not loans, and applicants will lend if their qualifications meet the requirements. If it is a small loan handled by a formal enterprise or bank, there are two reasons for not lending. First, it may be because your personal qualifications make banks or related enterprises think that you are not qualified to apply for loans, that is, you have not passed the examination. It may also be because there are many customers handling business at present, and the bank has not completed the review, so you need to wait patiently for some time.
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