According to the user's account credit qualification.
At present, the credit line of micro-credit to users is between 5 million and 300 thousand, which is different according to the individual's comprehensive situation. A single loan can be 500 yuan-40,000 yuan. The interest shall be calculated on a daily basis, with the daily interest rate of 0.02%-0.05%, 1 10,000 yuan daily interest rate of 2-5 yuan.
Micro-loan adopts user invitation system. At present, invited users can see the entrance of micro-loan in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a maximum loan amount of 300,000 yuan.
Extended data
Tips to ensure the safety of small loan funds;
1. When borrowing money, you can only choose the bank card bound by Tenpay;
2. In the process of borrowing, Q channel users need to verify Tenpay payment password, and WeChat channel users need to verify WeChat payment password, mobile phone number and identity (name, ID card);
3. For large loans, there will be further telephone verification of identity;
4. There is a strict verification process for modifying the mobile phone number, retrieving the QQ number and modifying the bound bank card after borrowing money; At the same time, the loan funds will only be transferred to the designated debit card account. Please take good care of your bank card, card password and Tenpay payment password.
What is the basis for microfinance to evaluate whether these can increase the credit line?
When micro-loans are opened, users get different credit lines, so what is the evaluation basis of micro-loans? In fact, the credit line of micro-loans is determined according to the comprehensive information of users on WeChat. Usually, users who are active on WeChat can get more credit lines, while users who use WeChat less will get lower credit lines.
If you want to get a higher credit line when micro-loans are launched, users can use more functions in WeChat in peacetime, such as recharging payment, returning credit cards, transferring money, issuing red envelopes, investing and financing, etc. At the same time, add personal information on WeChat so that you can get a higher credit line when you go online.
The credit limit of small loans is between 500 yuan and 300,000 yuan. When micro-credit was first opened, the credit line was generally several thousand yuan, and there were fewer users with more than ten thousand yuan. Moreover, different users get different daily interest rates when borrowing money, which are generally 0.02% -0.05%. It is worth noting that meager profit can't apply for opening by itself, and only the invitation of the system can be opened.
You can choose different repayment periods and repayment methods for small loans, and consider your own income when choosing, but the loans you handle can be returned in advance, which can save interest expenses and is conducive to the next loan. However, the loan must not be overdue, because there will be penalty interest after overdue, and the longer the time, the more penalty interest.
It is worth noting that whether micro-loans are returned on time after use will be recorded in the credit information, but it will not be affected after being returned on time. However, when there are many loan records in the credit information, it is very unfavorable for users to apply for various loans, because repeated use of small loans means that users have problems with their funds, and banks will also doubt users' repayment ability.
Daily users should apply for loans according to their actual needs when using small loans, and don't borrow too much money, because every penny borrowed needs to pay interest. At the same time, the loan can be repaid in advance, which can save interest expenses.
What determines the amount of microfinance?
Tencent launched a credit loan product-micro-loan, which users can use directly through WeChat or mobile qq. When a general user opens a small loan, the system will automatically review the corresponding credit line. Different users have different credit lines, so some users will find that they and their friends use WeChat for almost the same time, but the credit lines of micro-loans are different. What is the basis for evaluating the user's credit limit?
Micro-loans have certain standards when evaluating users' credit limit, mainly through users' consumption, wealth, security and credit status.
Consumption: It will be evaluated mainly according to the actual situation when users pay for consumption on WeChat and mobile qq. To be sure, the more users spend, the higher the relative score.
Wealth: When Tencent evaluates the wealth of users, it evaluates the assets and financial records of users in the main branches of Tencent's products. The more general wealth, the higher the corresponding credit limit.
Security situation: When a user opens a micro-loan, Tencent will also check whether the user has real-name authentication for Tenpay account and whether there is a digital certificate.
Credit status: Users need to authorize Tencent to check their credit reports when they open Tenpay. Tencent will refer to whether the user repays the loan on time according to the user's loan situation, credit card situation and mortgage situation, so as to judge whether the user keeps his promise.
After Tencent scores users according to the above standards, it will give credit lines according to the final scoring results. Of course, the higher the score, the higher the corresponding line.
How often do you adjust the amount of small loans?
Some users may want to increase their micro-credit line, because after obtaining the micro-credit line, the micro-credit line is lower than their expectation. At present, according to the introduction of micro-loans, micro-loans do not support users to apply for withdrawal. Microfinance will evaluate users regularly. If the evaluation results of users in the later period are much higher than those in the earlier period, micro-loans will automatically post to users. As for the specific withdrawal time, users can pay attention to whether their quota changes regularly.
If users want to increase their micro-credit limit, they should improve their evaluation results. Users can use WeChat to pay more, or bind their own bank cards to transfer money, thus increasing their own traffic. Users with abundant funds can also buy Tenpay's wealth management products according to their own risks, or make living payment through WeChat, which can improve their scores.
What determines the amount of small loans?
The amount of micro-credit is obtained by comprehensive evaluation of the system, mainly referring to the following four factors:
1, consumption situation
The records of user QQ payment and WeChat payment will be monitored in real time. For customers who spend a lot of money, small loans will increase the amount accordingly.
2. Wealth status
The user's change balance and financial records will be included in the scope of wealth assessment by the system. Under normal circumstances, users with large transaction volume and purchased wealth management products are more favored by the system.
3. Credit evaluation
When applying for micro-loans, you need to check your personal credit report, and customers with good credit reports have the opportunity to get a higher quota. Of course, use WeChat to pay back credit cards, mortgages, car loans and so on. It is also conducive to accumulating credit value.
4. Security situation
The real-name authentication of WeChat account has been completed, and the mobile phone number is in a normal available state. There is no risky transaction detected by the system, so that high-security accounts can obtain more micro-credit lines.
For more information about the determinants of microcredit limits, please visit: See More.