Xiaomi Finance's credit product "Xiaomi Loan", at present, users with Alipay score above 650 can apply for Xiaomi Loan (need to pass certificate+face recognition), so how can Xiaomi Loan have a quota? What is the general amount of Xiaomi loan?
Xiaomi loan is a pure credit unsecured loan product for Xiaomi users. Xiaomi Finance determines the corresponding loan amount after comprehensively evaluating the user's behavior. The minimum loan amount is 100 yuan, and the maximum loan amount is available for users.
The logic of "Xiaomi Loan" is similar to that of a commercial credit card, that is, a commercial institution issues a card by itself, and provides a certain credit line for users according to their consumption behavior in the issuing commercial institution, with the ultimate goal of promoting users' consumption in the commercial institution.
"Pure credit and unsecured loans based on user behavior are difficult to effectively control default, while similar businesses based on user transactions, such as JD.COM White Bank and Sesame Credit, will be relatively stable. Users' credit evaluation should be provided by the government, the market and recognized third parties, and it takes a long time for enterprises to directly intervene in credit evaluation.
Steps to obtain Xiaomi loan line:
1. Open the Xiaomi wallet application in MIUI system and click the "Loan" menu item on the page;
2. In the next page, click the loan promotion page at the top of the page;
3. In the dialog box that pops up at the bottom of the page, click the "Agree and Continue" button;
4. Next, you need to verify the mobile phone verification code first, fill it in the webpage and click the "Verify Now" button;
5. Next, fill in the name and contact number of your relatives or friends in the webpage, and then click the "Save" button;
6. Next, face recognition and authentication, which is completed according to the page prompts;
7. After the final real-name authentication is passed, the corresponding loan amount can be obtained.
How about Xiaomi loan? Is there any credit for Xiaomi loan?
How about Xiaomi loan? Is there any credit for Xiaomi loan?
How about Xiaomi loan
Now many well-known enterprises have gradually launched their own loan products, such as Alipay, Baidu and WeChat.
Then Xiaomi loan is the loan APP officially launched by Xiaomi. Users can apply for a credit loan in Xiaomi Loan, or they can purchase Xiaomi products in installments in the installment mall in the app.
The maximum loan amount of Xiaomi Credit Loan is 200,000 yuan, and the minimum loan interest rate is 0.02% of the daily interest rate. Users can obtain their own loan amount after submitting their own information in Xiaomi Loan APP or Xiaomi Financial APP.
Then the loan amount of Xiaomi loan mainly depends on the user's comprehensive score. The better the user's credit and repayment ability, the higher the loan amount and the lower the loan interest rate.
Millet staging is mainly to buy millet products in stages. Ordinary users can make 3/6/ 12 installments, so the installment fee will be charged at 2.22%/3.9%/7.2% respectively, and the expenses will be equally divided into the repayment principal of each installment, and then users can return it on schedule.
Is Xiaomi's loan creditable?
Xiaomi loan is a credit report at the meeting, so if users borrow money from Xiaomi loan or shop in installments, they must return the loan as agreed.
If there is a record of overdue repayment, Xiaomi Loan will report the overdue situation of the user to the credit information system.
Once a user's credit information system is defiled beyond the time limit, when he needs other loans, such as mortgage and car loan, he will be greatly resisted, and many banks and lending institutions will shut users out.
In addition to not being able to borrow money, if the credit information is not good, it may also affect your later traffic and so on.
In Xiaomi loans overdue, in addition to affecting their own credit information, users also need to bear the corresponding liquidated damages, and Xiaomi loans will also collect money from users.
For serious users, Xiaomi Loan may directly sue users. Therefore, in order not to disturb their future life, but also to bring themselves overdue troubles, users must repay on time.
What is the general amount of Xiaomi loan? Learn how to get a high quota!
With the appearance of Xiaomi loan, rice noodles have their own loyal loan platform. For some friends who apply for Xiaomi loan for the first time, they often want to know the loan amount in advance. So, what is the general amount of Xiaomi loan? Here is a brief introduction to the first-time borrowers.
From what we have learned, the initial loan amount of Xiaomi loan is about 50,000 yuan, and the specific credit amount should be determined according to everyone's comprehensive credit situation. For some people who just started working, it may be only a few thousand dollars.
Because everyone's comprehensive credit score is closely related to Xiaomi's credit line, the higher the score, the greater the friend's credit line, so here are some ways to provide comprehensive credit score.
1. Become a paying user of Xiaomi.
In normal life, while using Xiaomi products more, you can also become a paid member of Xiaomi according to your own needs.
2. Improve the qualification information
When you fill in the application materials for Xiaomi loan, you must do everything in detail, and all the contents that can be filled in completely can be filled in, and all the certifications that can be certified.
3. Use Xiaomi's financial business more.
Xiaomi has many financial businesses, including wealth management, payment and so on. If we can use Xiaomi's financial business more in our daily life, it will also be of great help to obtain a high quota.
Above, I introduced the approximate amount of Xiaomi loan to you. Generally speaking, friends with good credit, complete information and stable income will get a lot of credit in Xiaomi loan.