Baidu Wallet, founded by Baidu, the world's largest Chinese search engine company, is a leading online payment application and service platform in China. We can be more assured of lending on this platform. So what is the specific loan process of Baidu wallet? Let's take a look together.
Prerequisites for Baidu wallet loan:
Credit loans do not need collateral such as real estate, and banks issue loans according to personal credit conditions.
Credit loans need the basic information you provide:
1, the identity certificate of the applicant.
2. Personal credit report.
The salary card has been flowing for half a year.
4. Other personal certificates required by the lending institution:
The amount of credit loan depends on your salary and business form. State-owned enterprises have 20 times the wage stream, and enterprises 10 times the wage stream.
Baidu wallet loan process:
Let's take a look at the preconditions of Baidu wallet loan. Do you still want to apply? I seem to find it super troublesome. It is best to apply for Alipay or WeChat loan. It seems that Alipay is more reliable. Alipay has added a new loan function, with a maximum loan of 60,000 yuan.
Of course, Alipay loans are also conditional, as long as your credit sesame score reaches 600 points, the higher the sesame score, the higher the loan amount.
How did sesame come from?
It is mainly evaluated from five dimensions:
1, credit history:
Are you a punctual person? For example, are credit cards, car loans and mortgages repaid on time? Will you keep your promise when booking a hotel taxi?
2. Behavior preference;
Many internet behaviors are also extra points! For example, pay water, electricity and coal on time, donate money with love, and add items to the family;
3. Performance ability:
Whether it has sufficient wealth and comprehensive ability to repay the loan or fulfill the agreement;
4. Identity:
Is your online identity information true, comprehensive and reliable? For example, your education, professional qualifications, consumption records, etc.
5. Personal relationship:
Does your friend also have a good credit record?
What will happen to the wallet life loan?
The wallet life loan will not generate penalty interest, and the platform will collect it after overdue repayment. The common collection method is to call the borrower. If the wallet life loan is connected to the credit information system, users will be uploaded to the credit information center by the platform after overdue repayment, and personal credit information will become bad, which will affect the handling of various loans.
Users should think about their repayment plan before borrowing money to avoid overdue. In fact, users can borrow money from friends around them if they can't repay on time, but they should pay them back in time in the future. And don't often borrow money from friends around you, otherwise it will cause others' disgust.
Pay attention to the interest charged by the platform when borrowing money from the wallet. If the interest charged by the platform is too high, you should be careful when borrowing money. At this time, users can compare different lending platforms and then choose the one that suits them best. Generally, they will choose the one with low borrowing interest rate, and pay less interest after borrowing on such a platform.
Users must choose a formal platform when choosing a platform to borrow money, and the interest rates given when borrowing money on such a platform are within the scope stipulated by the state. At present, the familiar loan platforms include Lending Treasure, Online Business Loan, Micro-loan, 360 IOUs, JD.COM Gold Bar and other platforms that provide different loan interest rates and loan quotas.
Is it safe and reliable to borrow money from wallet?
Huawei wallet borrowing money is safe and reliable.
The whole loan approval process and results are determined by the corresponding financial institutions. Huawei wallet can't interfere, it can only play the role of drainage. To put it bluntly, Huawei is actually equivalent to an "intermediary" in this. Those loan products are put on it to get more exhibition opportunities.
At the same time, it is also a win-win partner of Huawei, and users can also apply for loans here. If you want to borrow money from Huawei Wallet, you need to open Huawei Wallet app first, and then the latest interface of Huawei Wallet shows that Huawei Wallet can borrow money. You can see the entrance of "borrowing money" on the home page of wallet. After clicking enter, the loan products of financial institutions cooperating with Huawei Wallet will be displayed.
At present, there are mainly willful loans and ant loans. Among them, willful loan is Suning's loan product, and ant loan is Alipay's loan product. In Huawei wallet, clicking on two loan products will automatically jump to the page where the corresponding financial institution applies for a loan, which is actually equivalent to applying for a loan with Alipay.
How long does it take to review the wallet loan? Will the next payment be quick?
Wallet loan is a very practical mobile phone loan APP. Users don't need to wait too long to get loans, and they don't need to provide any collateral. This is a credit loan. So, how long does it take to review the wallet loan? Wallet? borrow money fast? Next, I will talk to you about the relevant content of wallet loan review.
Introduction to the next period of wallet loan audit time
1. After the user submits the loan application, the institution will complete the review within 1~3 working days. You can check the status in the wallet loan client.
2. The loan contract is expected to arrive within 2 working days after the user confirms and verifies that the bank card bound by the borrower is in normal use.
It can be seen that the review speed of wallet loan is remarkable, with the general characteristics of mobile phone loan, and the loan is very rapid. Therefore, there is absolutely no need for everyone to worry too much about the slow lending and slow review of wallet loans. You should first see if you meet the loan application conditions. If you don't meet the loan application conditions, the next payment is none of your business.
Is the letter wallet loan reliable?
A trusted wallet is reliable. Many people have used it.
The credit wallet is actually a loan super. If you want to open a member, you don't need to apply, just uninstall and sign offline. That's even more nonsense, that is, let you go to the credit bureau to apply for a bank loan, not to the black rail, wasting your time.
It is believed that according to the official introduction of the wallet, after submitting the application materials, under normal circumstances, the review can be completed within 10 minutes at the earliest, and it can be used after passing the review, waiting for 1-2 hours. The loan platforms that cooperate with credit wallets include Good Staging, Little Flower Wallet, Li Loan, Moonlight Man and Anjiapai. Among them, a good installment can lend money within 10 minute at the earliest, Xiaohua wallet can lend money within half an hour at the earliest, Li Dai and Moonlight Xia can lend money within 24 hours at the longest, and Anjiapai can lend money within 2 working days at the longest.
Compared with other online loan openings, it is relatively easy to deposit money in the opening of the letter wallet. Take Xiaohua wallet as an example, it is impossible to check the credit when it is opened, so even if the credit is slightly overdue, it will not have much impact. In addition, everyone chooses different online loan products or the same loan products. Due to different qualifications, the credit line is definitely different. If you want to get a higher loan amount, you can only guarantee your comprehensive credit.
Heart wallet is an APP developed by Chengdu Youka Information Technology Co., Ltd. to provide online financial consulting services on the Internet. It mainly provides online small and large loans, installment, online credit inquiry, online blacklist detection, multi-head loan detection, credit card application and other services.
The software "credit wallet" itself is a credit intermediary. The specific matching amount and products for you are determined according to your own credit. The application amount is basically given to you by major products and has nothing to do with the credit wallet. The natural premise is that there is no problem with your credit.
If you get a quota, you should be careful when choosing.
First: the wallet itself is only an intermediary and does not provide loans to users. You spend money on recommended products, so be sure to look carefully at which products are best for you. Generally speaking, it will recommend several products to you. The interest rate of each product is different, and the speed of the next payment is also different. Be sure to pay attention to screening. Although I will screen products once through big data and AI intelligence at first, it is related to money, so I still have to take a good look.
Second: If you really need money now, it is relatively stable compared with other messy institutions. Don't worry about conventional loans, slow speed and high institutional risks. Conveniently, it will recommend a batch of products to you, and they are all screened by big data AI, and the protection of routine loans has been done.
Third: remember to repay on time! Remember to repay on time! Remember to repay on time! Say important things three times, and be careful not to take them to heart. Credit products will basically go to credit, and it will be very uncomfortable to be blacklisted.
Operating environment:
Huawei nova7pro2.0.0.209
Letter wallet 6. 1.7