At present, the maximum loanable amount of loans in Fu Bao is 654.38 million yuan, and the service period is generally 3- 12 months. As long as the user is over 18 years old and has a stable job and income, he can submit an application. In the process of applying for a loan, users need to submit the front and back of their ID cards, bank card certificates, half-length photos of their ID cards, work income and other materials. Only in this way can the system understand users more comprehensively and improve the success rate of applying for loans. According to netizens' feedback, if there is no second batch of Fu Bao loans after they are submitted for review, there will usually be a telephone call back to me, or a user will pay a return visit to the contact person or company, or add the applicant's WeChat review information. 1-2 days to get the approval result, and the loan will be released on the same day after approval.
As for the overdue consequences of Fu Bao's loan, according to Bian Xiao's understanding, it is very serious, such as:
1, personal credit has been seriously damaged. Fu Bao Loan is a loan platform, which will report the bad information of borrowers to the credit information system of the central bank and the credit information system of 100 banks. Therefore, in the process of using loans, if there is any bad loan behavior, the user's personal credit qualification will be damaged.
2. Be included in the list of court untrustworthy persons. For long-term overdue users, Fu Bao Loan may take them to court. At this time, users will be included in the list of untrustworthy people and become laolai users. At this time, users will be restricted when taking high-speed rail, airplanes and other means of transportation.
There may be jail time. Users who maliciously fail to pay back within the time limit may be arrested by the public security organs for loan fraud. Once convicted, users will face imprisonment and corresponding fines.
It can be seen that the review time of Fu Bao loan is not long. As long as the user's credit qualification is good, fast payment is possible. However, in the process of using Fu Bao's loan products, users must pay attention to maintaining good loan behavior, repay in full and on time, and avoid the occurrence of overdue and other bad situations.