Why can't I get a small loan?
If you find that microfinance can't be borrowed, let's see if it's the platform. After all, under strict supervision, many microfinance platforms will stop lending or reduce the scale of lending, and some need to grab the quota every day to withdraw cash, but this situation is still relatively rare.
If you can't get loans from many small loan platforms, the biggest reason may be that the borrower's credit conditions are not good, mainly in the following aspects.
1, poor credit information: Many small loans will also be authorized to check credit information. For example, users who are tired of surfing the internet basically don't have to consider it, and they won't lend it if it is overdue. In addition to the central bank's credit information, there are a lot of big data on the Internet that will share the information of Lao Lai, who is unable to repay small loans, and it is also impossible to borrow.
I changed my new number. Micro-loans are usually registered by using the real-name registration system, which often takes more than half a year. If you apply for a small loan with a new mobile phone number, the platform can query the usage of the borrower's mobile phone package through the operator's service password.
3. Too much debt. This is an important reason why many people have been refused small loans. The small amount of small loans does not mean that they can not be repaid. Too many small loans, higher and higher liabilities, high loan risk coefficient, scattered repayment ability, can not be recovered.
In short, if the small loan can't be solved, I suggest you improve your personal qualifications first, such as increasing revenue and reducing expenditure, and trying to make money. When your income is high and your repayment ability is strong, you can easily get a large loan, not to mention a small loan.