Why can’t we provide loan services when the credit limit of Ping An Puhui i-Loan is approved?

The credit limit of Ping An Puhui i-Loan is approved, but the loan service cannot be provided. It may be a system problem.

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1. The borrower submits loan application materials to the bank;

2. The application materials submitted by the borrower are subject to preliminary review;

3. The bank will review the application materials that have passed the preliminary review and Credit investigation, loan applications that meet the loan conditions will be reviewed and approved;

4. If approved, the borrower will be notified to go through relevant procedures such as contract signing, loan, mortgage or pledge; if not approved, the borrower will be notified Explain;

5. The loan contract comes into effect and the loan is issued; Ping An Puhui has a quota, so why can’t it borrow?

Why can’t Ping An Puhui borrow even though it has a quota?

1. The amount owed is relatively large

For example, if your i-loan limit is 20,000 yuan, you apply for a cash withdrawal of 20,000 yuan for the first time and divide it into 24 It will be more difficult to borrow money after you have changed several terms, because iLoan will doubt your repayment ability and think that if you lend money to you again, you will probably not be able to repay it.

2. Frequent recurring borrowing

Some people withdraw the entire amount of their loan amount once every time they repay an i-loan. This approach is very wrong and can easily trigger the risk control of the system. Mechanism, i-Loan will think that you are short of money and have poor repayment ability, so it will naturally not lend you money.

3. Overdue

The most important thing about a loan is to be trustworthy. If you are overdue, then in the eyes of Ping An Bank, you are a dishonest person. For dishonest people, the bank will naturally I won't lend them money, and I won't be able to borrow the money I paid back.

4. System upgrade

Sometimes after the Ping An Puhui APP is upgraded, if you do not update to the latest version in time, the withdrawal will fail, and the system will prompt you that today’s quota has been robbed. Guang, when encountering this situation, you should update the APP in time, and then add some personal information, such as binding a bank card, authenticating a Taobao account, etc. Why did Ping An i-Loan fail to get the loan?

Ping An i-Loan is a product of Ping An Puhui. But many people are unsuccessful when they go to get a loan. The main reasons for loan failure are the following:

1. The age does not meet the requirements. Those under 18 years old or over 60 years old cannot apply.

2. There is a stain on your credit report. If your personal credit report is stained, it will be difficult to get a loan approved no matter where you get it. If there are multiple overdue records or malicious defaults, it will not be used.

3. If you do not have a fixed job or bank statement, have not worked in the current unit for half a year or have a salary of 3,000 yuan, the application will not be approved.

4. The applicant’s identity information does not match the registered identity information. Ping An i-Loan requires that the bank card, phone number and ID card bound must belong to the registrant. One of them is Others will fail the review.

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