Judging from the current fund-raising speed, the fund-raising time of auction loans will generally not exceed 3 working days. If the situation goes well, there is also a probability of successfully raising funds within 1 working day. Therefore, customers need to leave enough time for themselves (the speed of raising funds for the auction loan cannot be manually intervened. Therefore, customers must be patient and don't trust the so-called "intermediaries" and "insiders" on the Internet to avoid being deceived. Customers should pay attention to the following items during the waiting period:

1. Please don't change your personal information while waiting for fund-raising to avoid affecting loan issuance.

2. Take the loan to finance, and don't submit the loan application repeatedly.

Be sure to protect your personal credit, don't let it stain.

Tips: The above information is for reference only. In the process of loan, you must pay attention to prevent risks. In order to ensure the safety of funds and prevent routine loans, it is recommended that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation. If you need funds, you can also consider a loan from Ping An Bank. Please make sure to apply for our loan through the official channels of Ping An Bank. Ping An Bank has launched a variety of loan products, with different loan requirements, interest rates and handling procedures. Among them, the new one-loan credit loan is unsecured, unsecured, simple in procedures and fast in approval, with a quota of 300,000-500,000, and the age requirement is 23-55 years old. You can log in to Ping An Pocket Bank APP- Finance-Loan to understand and try to apply.

Reply time: 202 1-04-07. Please refer to the latest business changes announced by Ping An Bank in official website.

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Is it 7 hours or 0 to raise loan funds?

The reason for this is the following：

1. Generally speaking, there is no failure in raising funds because they have a third party to guarantee the funds, but in some cases, customers may need a long time to wait for the next payment.

2. If the customer account shows that the fund-raising time is too long, it may be a problem with the loan system. It is recommended to contact customer service for a solution. Generally, after the approval, the funds will be transferred to the account left by the customer on the same day or the next day. 3. If the comprehensive situation does not meet the loan requirements, the loan evaluation fails, and the borrower voluntarily applies to give up or exceed the deadline for bidding, the bidding fails and the loan cannot be obtained.

4. From the current industry situation, the confidence of investment users in pat investment continues to decline, and the chain effect caused by thunderstorm events makes it impossible for the platform to have sustained capital flow.

Pat tape

1. Paipai Loan (NYSE:PPDF) is a financial technology company, which was established in Shanghai in 2007 and successfully listed on the New York Stock Exchange on 20 17 and10. As of 2065438+June 30, 2009, the cumulative registered users of auction loans reached 99.02 million. The cumulative number of borrowers is 6,543,800+0,340; Investment users totaled 644,400, achieving sustained growth; Compared with the same period of 20 18, the refinancing rate increased by 2.4% to 69.8%. As the first governing unit of China Internet Finance Association, the company puts legal compliance in the first place, follows the essence of finance, provides financial services to users with innovative technologies based on data, and continues to invest in financial technology and smart finance, relying on technologies such as big data, cloud computing and artificial intelligence to develop "magic mirror" big data. Paipai Loan also applies big data analysis and ai-centered technology to credit review, risk control, precision marketing and intelligent customer service, and strives to practice the concept of "* * * benefiting the people's economy" to help the development of inclusive finance and China.

2. Investment products and loan products

(1) Investment products

Random bidding is the most original borrowing target on the auction loan platform. Investors can invest their funds in multiple bidding targets according to the time limit, interest rate and risk preference. In view of the high-risk targets in investment, patting loans will give risk warnings and encourage "small-scale decentralized" investment.

Xinhong is an automatic bidding strategy for users based on 1 1 big data. Using this strategy, users can achieve intelligent matching of goals and reduce the amount of guardian funds. All the lending funds are used for lending to the real loan targets issued by Paipai Loan official website, and the number of eligible loan targets is roughly between 10- 1000. Users can check their matching creditor's rights at any time, and truly make the creditor's rights corresponding to each fund clear and transparent. The target period of this strategy is ≤36 months.

(2) Loan products

Ordinary loan standard: applicable wage earners: Chinese mainland citizens aged 2 1-55; Need to prove a stable source of income; The fastest 1 day.

3. Corporate values

Paipai Loan adheres to the corporate culture and values of "innovation, pursuit of Excellence, simplicity, reliability and common achievement" and is committed to promoting employees to serve users with high efficiency and high quality.

Why is it still 0 after two days of loan financing? What should I do?

This can be expedited completely. Generally, it takes 100% to find investors 10 minutes. Zero is because there is no bid at present. If someone bids, it will show a few percent. You should complete the tender as soon as possible. If the bid is raised to 0, you can't pay. You can't lend money until the bid is full. If it is raised for too long, the price will not be raised in the end.

Because the credit line is low, it is best to go to Taobao to buy the full amount of the first loan, and the second loan will be successful in an hour. It is very important to maintain good credit. Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd." and its headquarters is located in Shanghai. It is the first pure credit and unsecured peer-to-peer lending platform in China, and the first Internet finance (ITFIN) platform approved by the industrial and commercial departments to obtain the qualification of "financial information service". In addition to ordinary investment projects, it also provides users with two wealth management products, Pat Joker and Rainbow Plan, which are convenient for users to use. More than 2,600 employees. By the end of 20 16, the number of registered users reached 326 1000, making it one of the largest online credit lending platforms in China. Compared with other online credit platforms in China, the biggest feature of the auction loan is the pure online mode operation. The platform itself does not participate in lending, but realizes functions such as information matching, tool support and service. The borrower's loan interest rate is set by himself under the limit of the highest interest rate. This is also the most primitive operation mode of online lending platform.

If it is malicious, it will be prosecuted for not paying back the money. Usually overdue:

1. Collect overdue penalty interest from the borrower according to the provisions on penalty interest in the electronic agreement;

2. After the lender recovers all the default interest and principal, it will charge 0.6%/ day overdue principal for the loan, and the loan will be used to reward the lender who actively participates in the collection or subsidize the collection fee;

3. The sequence of overdue repayment of any installment by the borrower is: principal, interest, default interest, and charge collection.