When ants borrow money in advance, it is a common situation that the system automatically closes the loan. If there is no quota after prepayment, it is actually that the ant borrows money and is automatically closed by the system. At this time, we can only wait for the system to judge to reopen, and we can't apply for opening independently.

The loan amount is based on the comprehensive judgment of consumption and repayment. The advance payment will allow the system to re-evaluate the account. Because prepayment can only recover less interest, the system will also judge that prepayment has lower requirements for borrowing, so there will be an amount of prepayment by ants.

The reasons why ants did not restore quotas are as follows:

1. prepayment. Ants borrow money every day to repay loans and borrow interest. Ants can determine prepayment as a loan requirement. Therefore, after repayment, the quota may be reduced or even closed.

The repayment is overdue. When the borrower is overdue, ants can borrow money to ensure the safety of the loan and reduce the risk. The user's loan amount may not be recovered, and the sesame credit will also be reduced.

3. Change your contact information frequently. The reason why the ant borrows is not restored is that users may change contacts frequently. If you change your mobile phone number and bank card frequently, the system will think that the borrower's job is unstable and may not be able to pay. Therefore, it is very likely that quotas will be reduced or closed.

4. There is a brushing behavior. The number of ants borrowing is closely related to sesame credit score. The higher the sesame score, the higher the amount obtained, but malicious brushing is not allowed. If the system detects the user's brushing behavior, the number of borrowed ants may not be restored or even disappear.

5. Don't use it for a long time after opening. Like the previous repayment, the ant has not used it for a long time, and the system judges that there is no loan demand. Quotas are likely not to be restored or even closed.

Extended data:

The method of restoring the line of early repayment of ant loan

1. Maintain good credit and account activity, such as using Huabai to repay on time and using Alipay for online and offline consumption.

2. Improve personal information, such as education, assets, social security, etc. And increase the sesame credit score.

3. Alipay account is fixed on the mobile phone, so don't change the device.

4. Check whether the account status is normal and whether it is in a risk or appeal state.

5. If there is a record of overdue repayment, you can use the function of paying back the credit card with Alipay to prove that you have the ability and habit to repay on time.

6. If the loan repayment is in good condition, and only the current prepayment amount is closed, you can take the initiative to contact customer service personnel to quickly restore the loan amount.

There is no upper limit for early repayment of ants, which is the result of comprehensive evaluation. As long as the previous loan is used well, the amount can be recovered by itself.

However, if there is a record of overdue repayment and long-term non-use, it is necessary to increase personal credit and loan demand through other aspects. In a word, the prepayment limit of ant borrowing is closed, so we can only wait for the system to open the loan again, and we can't manually interfere with the result.

Alipay-Ant Flower Blossom/Loan

Why do you have to pay it back in advance when you borrow it, so there is no limit?

When ants borrow money in advance, it is a common situation that the system automatically closes the loan. If there is no quota after prepayment, it is actually that the ant borrows money and is automatically closed by the system. We can only wait for the system to decide to reopen, and we can't apply for opening independently.

The amount of loan is comprehensively judged according to consumption and repayment, and the operation of prepayment will make the system re-evaluate the account. Because early repayment can only recover less interest, and the system will also judge that the demand for early repayment is not great, so there will be cases where ants borrow money to repay in advance without a quota.

Extended data:

The method of prepayment is to restore the quota by ants;

1. Maintain good credit and account activity, such as using Huabai to repay on time and using Alipay for online and offline consumption.

2. Improve personal information, such as education, assets, social security, etc. And increase the sesame credit score.

3. Alipay account is fixed on the mobile phone, so don't change the device.

4. Check whether the account status is normal and whether it is in a risk or appeal state.

5. If there is a record of overdue repayment, you can use the function of paying back the credit card with Alipay to prove that you have the ability and habit to repay on time.

References:

Alipay _ Ant Garden/Loan Garden

Will prepayment affect the quota?

Early repayment of loans has an impact, which can be divided into two types: favorable and unfavorable:

1, it is beneficial to repay the loan in advance.

(1) Early repayment increases sesame credit score. The user's early repayment will be recorded in the non-compliance record, and the system will judge the user as a crediter and a high-quality customer, thus improving the sesame credit score.

(2) Advance repayment to increase the loan amount. For users who keep appointments and are not overdue every time, they will borrow the current loan amount in full every time, and the prepayment will be paid off in one lump sum. The system will feel that users need a lot of cash recently, thus giving them a certain opportunity to withdraw cash.

2. The adverse effects of borrowing early repayment.

(1) Loan prepayment is closed. This situation is often because the system determines the behavior of early repayment, which may be the risk behavior of brushing the loan amount and brushing the sesame credit score.

(2) The prepaid amount is reduced. Repayment in advance, the system will think that the user's demand for cash is not great, and the amount will naturally decrease.

Extended data

1, saving interest. Because ants borrow money on a daily basis, the earlier the repayment, the less interest, so if you can, you can repay it as soon as possible, which can save a lot of interest.

2. Affect the score. Alipay system will give a quota according to users' consumption habits. It is possible that you often prepay and close your loan or garden. After all, you are not very short of money.

3. routine. Frequent prepayment may lead to the inability to withdraw cash from re-borrowing, which is commonly known as the routine.

Repayment in advance, the loan line is gone, when can it be restored?

Paying off the loan amount in advance will generally be resumed in real time. The loan line is a credit loan product that can be recycled. As long as the customer does not breach the contract during use, the platform will not recover the customer's credit line and can be reused all the time.

If the customer repays the loan in advance, the platform will not charge any fees other than the normal loan interest. Interest is also calculated according to the number of days the customer actually uses the loan, and there will be no liquidated damages. Customers can rest assured that it is more humane.

If the customer's loan line is recovered, it is caused by the following reasons:

1, customer's credit is not good.

2. The income of customers is unstable.

3. The customer debt ratio is relatively high.

4. The customer is not bound with a valid bank card.

5. The customer illegally uses the loan funds.

6. The customer's personal information has expired.

7. The customer has not used the loan line for a long time.

It can be seen that as long as the customer normally uses the loan and repays the loan, the customer's quota will generally not be affected, and the customer's loan application will not be affected.