May I ask if the credit investigation is spent, and the micro loan is not overdue, can I lend it out

It's okay to spend the credit report, you can just do a long-term installment directly, it's very easy!

It is estimated that you can't borrow it, please stay away from routine loans, routine loans will make you finished. Isn't it? Please stay away from routine loans, cherish life, and don't ruin your life for temporary selfish gain. Alas.

Of course not, because this is a credit problem, so please stay away from routine loans, cherish your life, don't ruin your life for temporary selfish gain, okay? Alas, poor people, they are all slowly going through the routine.

If the money repaid by the micro loan cannot be borrowed, it is likely to be caused by the following reasons:

1.Failed to repay on time within the specified repayment period, and was overdue, and was reported to the central bank for credit investigation by the system, leaving a bad record in the personal credit report, resulting in damage to personal credit, and the system froze the amount.

2.There are other outstanding loans in the account, and the total number has reached 20 (WeLoan clearly stipulates that the outstanding loans cannot exceed 20, if there are WeLoan in WeChat and QQ, then WeChat and QQ can each borrow up to 20 loans).

3.The amount of borrowing in the account is less than 100 (WeLoan clearly stipulates that the minimum amount of a single loan is 100 and the maximum is 40,000).

4.The card status is abnormal.

5.The reserved ID card information of the bank card has expired.

6.Change of mobile phone number reserved for bank card.

7.The bank card is a second-class account, and the second-class account has a limit of 10,000 yuan, and if the borrowing amount exceeds the limit, the borrowing will lead to loan failure.

The corresponding solutions are as follows:

1.Hurry up to pay off the overdue arrears, and then patiently repair the damaged credit, accumulate a good record, and when the personal credit level is improved, the amount should be restored when the celebration is delayed, and the customer can borrow again (it is recommended to raise the credit for three to six months first, and then the system will comprehensively evaluate it every month or so).

2.Repay several outstanding loans, and then apply for new loans when the total number of loans is less than 20.

because WeLoan is a loan platform, which is also connected to the credit system.

After the user submits the loan application, the credit report will be queried, and if there is an overdue behavior in the credit report, it will be regarded as a low-quality user, and the risk will be judged to be greater, and the application will not be approved. If the user's overdue behavior is not malicious and the number of times is small, the user can still take out a loan through WeLoan.

1. Whether the micro loan is connected to the credit reporting system.

Yes, Micro Loan is connected to the credit information system. Like most lending platforms, WeLoan needs to submit user personal information and ID card before applying for a loan.

and bank card information, you also need to check the personal credit report.

When the user applies for a loan, WeLoan will authorize and approve the credit information system to inquire about the user's credit report.

2. What impact will it have on users if the credit investigation is overdue?

If the credit investigation is overdue, it will affect the user's loan. Because banks are very strict about the credit review of applicants, most banks follow the principle of "three times and six in a row."

If it is found that the user has not repaid for three consecutive months and has overdue repayment for six consecutive times, the bank will definitely not lend to the applicant.

3. The credit investigation is overdue, and it is difficult to apply for a quota for micro loans.

When there is a serious overdue credit investigation, the WeLoan platform will determine that the user does not have the ability to repay the loan, and the funds are insufficient, and the loan application cannot be approved in accordance with the repayment rules of the platform, and the platform has no available quota.

To sum up, no matter what platform you use for a loan, you must repay the loan on time, ensure that you have good credit, check your personal credit report on time, maintain good repayment habits, and avoid making it difficult to get a loan.

OK. Micro loans support revolving borrowing, so you can borrow again after repaying a sum, provided that these conditions are met.

1. The available amount cannot be less than 500, and the amount of a single loan cannot exceed 40,000.

2. The state is normal.

3. The current number of loans should be less than 20.

Then you can submit a loan application, and no matter how many times you borrow, each time you borrow, you need to be re-reviewed by the system, and you can borrow again this time if you have borrowed it before. And the more times you borrow, the more difficult it will be to borrow the next time, one is that you borrow more money and the credit will change, one is that you borrow more money and the debt ratio will increase, and one is that the total credit line will decrease with each borrowing.

Many people become blacklisted for online loans after they are overdue, but they don't know that in addition to overdue, long loans will also be included in the online loan blacklist if they are not good, you can go on: Puxin check, detect their own long loans, long loans are mainly the recent application of individuals in lending institutions, it is recommended that you can slow yourself down first, stop all loan-related operations within three months, and the natural risk index will be reduced after three months, and the blacklist will be eliminated.

Extended Information: Will the Micro Loan Limit Be Reinstated?

When borrowing money, you need to choose a repayment period, there are months to choose from, and you can repay the loan every month after the loan is successful, or you can pay it off in a lump sum in advance.

If the loan is repaid on time, the limit will not be restored for each installment of the loan, but will be restored in one lump sum after the entire loan has been repaid. If it is paid off in a lump sum in advance, because partial repayment is not supported, you can only repay the loan in a lump sum, and the amount will be restored for each repayment.

It should be noted that if the micro loan is under risk control, it is normal that the quota will not be restored after the entire order is paid.

Summary. There is overdue, and it is overdue in July, so it cannot be borrowed. If it is overdue for no more than 3 months, you need to wait for half a year.

If the credit is not good, can the micro loan be paid off at once, and can it be lent out immediately?

Hello, no.

In the case of bad credit, the micro loan can be paid off at one time, and it cannot be borrowed immediately.

Borrowing again is subject to review.

If the credit is not good, it will lead to failure to pass the review.

It has nothing to do with paying off the loan at once.

I have been overdue three times on other platforms but have already paid it off, can I pay off the WeLoan once and then lend it out?

It's just three overdues, can't you?

When was it overdue?

Was it overdue a few years ago.

Overdue 2 years ago can be settled 2 years ago.

In July, not within 2 years.

No, you can't.

Isn't it okay for other platforms to be overdue?

Yes. Is there any connection with micro loans?

Overdue big data will be recorded.

It has nothing to do with micro loans.

Online lending will review user credit and big data.

Some said yes, some said no, I don't understand.

If it is not overdue, it can be borrowed.

There is overdue, and it is overdue in July, so it cannot be borrowed. If it is overdue for no more than 3 months, you need to wait for half a year.

More than 3 months, no more than 6 months, you need to wait 2 years.

Taking the WeChat version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2 system) as examples, if this situation occurs in the user's WeLoan, it is generally caused by the following reasons. The first reason is that there is a record of overdue repayment. If the user's WeLoan has a previous overdue repayment record, the loan will be rejected even if the arrears are paid off.

Therefore, it is important for users to repay the loan on time when using WeLoan on a daily basis.

The second reason is that there is a bad record in the credit report. WeLoan is a loan product launched by WeBank. Therefore, whether the user opens or raises the amount later, it is possible to inquire about personal credit.

If the user's credit card has a bad record during this period, it will also cause the user to be unable to borrow money after the microloan is repaid.

The third reason is that the system failed to pass the re-evaluation. Generally speaking, when a user borrows again, the system will evaluate it again. If the result of the re-assessment does not meet the borrowing requirements of WeLoan, and the comprehensive assessment is not passed, the amount of credit will no longer be provided after early repayment.

After the WeLoan is overdue, if the WeLoan interface still shows a credit limit, it can still be used. However, a trip can no longer be overdue, and the credit will show that it is overdue, for future housing loans, car loans, and bank loans.

Private loans have an impact from the date of overdue, and a penalty interest of 50% of the agreed interest rate will be charged on the overdue principal amount every day until it is overdue. Overdue penalty interest = overdue principal * daily interest rate * 50% * number of overdue days.

Extended Information:1WeLoan is the first Internet bank in China.

If you see the "micro loan" entrance, you can get a maximum loan amount of 200,000 yuan.

2.As an Internet banking loan product launched by WeBank, "WeLoan" has the following characteristics:

1) Unsecured and unsecured;

Personal loans provided by traditional financial institutions.

Most of them require the borrower to provide collateral such as collateral, but cannot provide guarantee or have no fixed assets in their name.

It is difficult for individual users to get loans. "Micro Loan" does not require collateral and guarantee, and does not need to submit any paper materials, which can better meet the small financing needs of users with good credit.

2) 7*24 hours service, the fastest 1 minute to complete the loan;

Relying on strict risk control rules and a complete technical support system, "WeLoan" provides 7*24 hours online services, convenient and efficient procedures, all processes are completed on the mobile phone, and the loan can be received in 40 seconds at the earliest.

3) Early repayment.

No handling fees; Most traditional financial institutions require users to repay on the day of repayment, and if users want to repay early, they need to apply and pay a handling fee. In addition to the regular default withholding repayment, "WeLoan" also allows users to settle the loan at any time without any additional handling fees.