First of all, let's look at the necessary conditions for an emergency loan of 1000 yuan. In fact, no matter what kind of loan the borrower applies for, these two points must be met first.
prerequisite
I. Age conditions
The age range is 18-65 years old, and it is necessary to reach 18 years old. A real adult in the legal sense is 18 years old or older, and a loan cannot be successful if it is less than 18 years old.
Second, the identity card
Except for age, almost all loan products will require you to provide ID information, usually a copy or photo, and indicate that it is only for loan review when submitting. Remember that you can't use other people's ID information, and you can't use fake ID information. If it is found out, it is suspected of fraudulent loans.
After reading the preconditions, let's take a look at the different loan application requirements of different loan platforms.
Supplementary condition
1. The mobile phone number has been used in the real-name registration system for more than 3 months.
Nowadays, small loan products are engaged in big data risk control, and users' behavior habits will become a key factor in lending. If it is a new mobile phone number, the risk control system will judge that there is a risk of "fraudulent loans", which will affect the approval.
Second, at least one credit card.
The premise of some small loan products is to have a credit card, such as card loan and lightning loan. Credit card is a protection card or a compensation card, which is another risk control practice. Because credit cards are issued by banks for our high-quality customers, there is less credit risk if there is protection.
Third, sesame credit score or Taobao account.
Third-party data is also widely used in the risk control of cash loans, such as fast loans, Taobao account number is an important reference element, while finance, atomic loans and casual loans will look at sesame credit scores. If the sesame score exceeds 600, it is easy to make the next payment.
Fourth, JD.COM white stripes.
It is the same reason that some loan products require to look at the borrower's Taobao account. The credit score on JD.COM IOUs can also be used as a reference. For example, if users want to apply, they have to check the white data by default.
Verb (abbreviation for verb) job information
Some small loans with higher thresholds will also require borrowers to have stable jobs. If you want to apply, you must fill in the full name of the real work unit and the company's fixed telephone number, and some even need to fill in the company's mailbox. If this information is false, it is generally difficult to review.
Six, social security and provident fund information
Not all products need these two kinds of information, but with social security and provident fund, especially for more than half a year, it is easy to get loans on major platforms.
Seven, Xue Xin. Com data
Some students who specialize in providing loan products for college students will make certain requirements for personal education and student status information. For example, college degree or above, student status information can be found on Xue Xin. com。
Eight, emergency contact information
Fill in the emergency contact, usually to prevent your loan from being repaid. If there is a phenomenon of non-repayment, they will "harass" the contact person you filled in when applying for a loan, and some will even conduct a pre-loan review before lending.
Nine, the central bank credit
At present, most microfinance platforms in the market will not go to the central bank for credit information when applying or overdue, with a few exceptions, such as microfinance and ant borrowing, and will do credit information at the meeting when applying. These loan products are overdue for a certain period of time, and personal credit reports will also be tainted.