Is it easy to borrow money by taking a loan?
It is not difficult to get a loan, as long as the customer meets the following requirements:
1, aged 22 to 55, with full capacity for civil conduct;
2. Non-school student status;
3. Mobile phone number verified by real name;
4. Personal credit is good, and there is no bad credit record or serious negative news in the personal credit report;
5. Have a stable, reasonable and legal economic fixed income and the ability to repay the loan principal and interest on time.
As long as users can meet the above standards, they can generally get loans successfully.
Is the auction loan interest high?
The auction loan interest rate is not high, and the auction loan interest rate is medium in the industry market. According to its official data, the auction loan interest rate is between 1%-2%, and the specific loan interest rate needs to be based on the actual display on the platform page. When applying for a loan, the loan interest rate obtained by each user is different, which is generally related to the user's personal qualifications. Under the same circumstances, the better the personal qualifications, the lower the annual interest rate of loans, and the higher the annual interest rate of loans for users with ordinary personal qualifications.
What is the reason why there is a line of credit that can't be paid?
1. Rapid decline of personal credit: the credit line obtained by ordinary users is not the result of evaluation and has a certain lag. If the user's credit decreases rapidly and no longer meets the lending regulations, then there will be specific situations where there is a quota that cannot be loaned;
2. System problems: Some users can't get loans, or there may be problems in the loan system, so they can't receive applications normally for the time being. In the maintenance and upgrade of the system, users may encounter this situation;
3. Take photos and loans to strengthen risk control: All kinds of lending platforms are strengthening risk control, as are taking photos and loans.
This article mainly focuses on the knowledge points that will be rejected in the auction loan collection, and the content is for reference only.