The borrower is too old. Meituan commercial loan borrowers are required to be 20-60 years old. If you are over 60 years old and fail to meet the loan requirements, the loan amount will be cleared. If the borrower applies for a loan again immediately after paying off Meituan Commercial Loan, the system may not have time to update the borrower's available quota, resulting in the borrower having no available quota when applying for a loan. There is no quota after the commercial loan of Meituan is paid off. There are basically four situations. When borrowing money, everyone should maintain good personal credit and repayment ability. Shops should operate normally and maintain a good business flow. In this way, if you want to apply for a commercial loan from Meituan, it will be easier to pass the examination.
The reason why Meituan can't apply for a loan again
The main reason why Meituan can't lend money after repayment is the shortage of funds in financial institutions. When the lending institution is short of funds, it will lead to loan failure. At the same time, if the borrower fails to pass the comprehensive evaluation, he can't apply for a loan, which leads to the failure of lending. When borrowing money, the bound bank card is also very important. Many people's bank card information is different from their own information, so the loan cannot be received. In addition, the loan of Meituan is for credit reporting. Meituan borrows money from Meituan and Zhaolian Finance, which is necessary. Therefore, the borrower must repay the loan on time, so as not to affect the personal credit record due to overdue. Keeping good records is conducive to other uses of loan applications in the later period.
Meituan Commercial Loan is an installment loan.
When borrowing money, you can choose one of the three phases, namely, the third phase, the sixth phase and 12 phase, and pay off part of the principal and interest every month. However, the limit of the commercial loan amount of Meituan is not to restore part of the loan every time, but to pay off all the loans at one time. For example, Meituan merchants borrowed 30,000 yuan and repaid it in six installments. Even if the first five installments are paid off, as long as the sixth installment has not been paid back, the amount before repayment will not increase because of repayment. Only after the sixth repayment will the available amount be increased. If the borrower wants to restore the commercial loan line immediately, he can choose to pay off all the debts in one lump sum, and the interest will be calculated until the repayment date. But you'd better think it over before deciding, because prepayment may never come out again. Many old railway companies have encountered such a situation.
3. Meituan's loan application
After all, although prepayment can help borrowers save residual interest, it will reduce the income of Meituan and disrupt the collection plan of the platform. This is also a disguised breach of contract. Meituan certainly doesn't want to borrow any more money, especially to repay it in advance immediately after borrowing money. This shows that it is not short of money. I just want to experience the commercial loan of Meituan. Meituan Commercial Loan is a fully intelligent and online mobile Internet loan product. Starting from serving the active merchants of Meituan platform, we will provide unsecured online credit loans for small and micro enterprises and individual industrial and commercial households in the life service industry. The loan amount is 65438+ 0-3 times of the average monthly flow of merchants. The loan granting speed is fast, with a maximum of 654.38+0 million. Small and micro enterprises and individual industrial and commercial households can open the Meituan APP and find the "commercial loan" application entrance at the "wallet" entrance. After reading the relevant agreements according to the product tips, you can independently agree and authorize to apply for commercial loans.
Financing needs of small and micro enterprises
Meituan launched Meituan Commercial Loan to provide unsecured, convenient and fast credit loan technology for small and micro enterprises and individual industrial and commercial households in the life service industry through platform big data and artificial intelligence. Meituan Commercial Loan Version 2.0 was launched. The new version combines the original "quick loan" and "big loan" products, and the loan strategy is more flexible. During the epidemic in 2020, Meituan Commercial Loan cooperated with more than 10 banking partners, such as Postal Savings Bank, China Everbright Bank, Yilian Bank, Jiangsu Bank and bank of tianjin, to provide local businessmen with preferential interest rate loans of not less than 10 billion.