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With the increase in people's demand for borrowing, many loan platforms have been born on the market, among which Alipay's borrowing has a high popularity, and many friends will consider borrowing to apply for loans when they encounter financial difficulties. At the same time, many Alipay users find that they are not yet able to use the borrowing function. So, how to open a borrowing?
The activation of borrowing is the result of system review, and users cannot take the initiative to open it. To open Ant Borrow, the following conditions need to be met: (1) the Alipay account has completed real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to a mobile phone.
For accounts that meet the above conditions, the system will conduct a comprehensive assessment from time to time based on your account usage, and whether it can be used or not is subject to the system assessment, and manual intervention is not possible.
If you have an urgent need for money, you can choose Du Xiaoman Finance, which is also a big brand of BAT, to spend money. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers.
This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.
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It is not given to be opened, but it can be forced.
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At present, the borrowing is evaluated according to the comprehensive situation of the account, and cannot be opened artificially, so it is recommended to continue to maintain good credit and pay attention to it patiently in the future. At the same time, we also remind everyone not to trust others, so as not to cause financial losses.
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There is a fixed number of places for borrowing and opening every day.
Borrowing is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.
The various behaviors of users on the platform are dynamic and changing, and the corresponding quota is also dynamic, when the user's behavior is good in a period of time and in line with the quota increase policy, the corresponding quota may be increased.
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There is user feedback, applying for borrowing always shows that there are too many people, and the prompt will come early tomorrow. Since I have never encountered a situation of borrowing to grab the quota before, many people do not know how to solve this problem. I have inquired a lot of information on this problem, and I will tell you how to solve this problem.
Situation 1: The overall score is insufficient
The system comprehensively evaluates all aspects of the user's account, and if the comprehensive score is insufficient, the borrower cannot be used.
Solution: This situation requires the user to continue to maintain a good credit history and continue to pay attention to the borrowing service to see if it can be used normally.
Situation 2: Reduction of borrowing business
After the rectification of cash loans, many platforms with cash loan businesses have undergone transformation and business reduction, and the more common ones are that they need to open members to withdraw and grab quotas to withdraw cash. If there is a reminder that the application is too hot and comes early tomorrow, it may be because the amount of borrowing and the number of borrowers borrowed on the day have reached the limit.
Solution: Apply again the next day, since the borrowing limit for the day has been released, it is a good choice to borrow money during working hours the next day. It is recommended that you apply after 9 o'clock in the morning and no later than 8 p.m.
Situation 3: The borrowing system is busy
If it is said that the loan failed because the system was busy, then this prompt may also appear. After all, the amount of borrowing business is very large, and if the number of applicants exceeds the load during the same time period, then it is possible that the system will fail.
Solution: If it is a system failure, then it is recommended to apply after a period of time, usually after 1-2 attempts, the loan can be restored to normal. However, if you reapply more than 3 times on the same day, you may encounter a situation.
First, and the second situation, at this time, we can solve it according to the elimination method.
The borrowing shows that the application is too hot to come early tomorrow, mainly due to the above three reasons. If you say, for users who already have a borrowing entrance, it is a matter of time before they can use borrowing to borrow money. Don't worry about the service being shut down because you can't borrow money in the short term, as long as the user maintains a good credit history and staggers the peak period of application, the success rate of borrowing money is usually high.
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Reason 1: The application quota is sold out.
Encounter Index: Five stars.
This situation is the most encountered by all users of Yanxien, not that you do not meet the borrowing requirements of Ant Borrowing, but now Ant Borrowing has a limit on the number of daily borrowings, just like Yue Bao also needs to grab the quota before upgrading, and users who are slow to start will naturally not be able to grab the quota. There are more and more online loan products that need to grab quotas, and it seems that Ant Borrowing also needs everyone to seize the time to grab quotas.
Yuan Lu Tong is not eligible for the loan.
Encounter Index: Four and a half stars.
Users who can use Ant Borrowing normally, in Alipay's Ant Borrowing entrance, click on it and the current amount of borrowing will be displayed. And clicking in shows that the application is too hot to come early tomorrow, which actually means that the applicant does not meet the loan limit of the ant loan. If the personal debt ratio has increased recently, other online loans have overdue records, or credit card repayments are overdue, etc., they will be rejected by the system in this way.
Reason 3: Too many applicants.
Encounter Index: Three stars.
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Ant borrowing to apply for a hot tomorrow is not necessarily to grab the quota, it may be that your comprehensive score is insufficient, so I politely rejected you.
Now many platforms will have the reputation of grabbing quotas, some of them are indeed tightened by the platform's appropriations, and the number of appropriations is limited, but some of them are some people's credit is not good, and the system will not go to the bottom of it if they reject you like this, and then they will squat stupidly every day to grab the quota.
No matter what kind of situation the ant borrows, first of all, you must pay attention to your credit, usually borrow or consume as much as possible to meet the requirements, do not consume in violation of regulations, and do not overdue, and then when you apply, you want to grab the quota to try, if you can't grab it many times, it may not be your own problem, it may be that the appropriation is insufficient, and you just can't grab it, what can you do if you are not lucky, and you don't have to wander on a tree, find a few more trees, after a while, maybe it is not so strict and you can borrow again.
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There are too many people who withdraw today, there is no money, and I successfully withdrew normally at twelve o'clock last night.
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There are many people waiting to apply every day, and then there are many people who put their money in, one in and one out, they want balance and maximum profit, so the amount of in, the amount of decision, please put it early tomorrow.
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First of all, you can't apply for a loan, and you can't play **.
Secondly, this should have a lot to do with your own usage habits, often used for shopping, credit card repayment, and the probability of borrowing being opened is very high.
Finally, bind social security, provident fund, and.
There is a great possibility of opening a loan for living expenses.
Ant Financial Services Group ("Ant Financial") started as Alipay, which was founded in 2004. In October 2014, Ant Financial was officially established. With the vision of "bringing small but beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners accelerate their journey towards "Internet+" through the "Internet Booster Program", and providing inclusive financial services for small and micro enterprises and individual consumers.
On January 9, 2018, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control the loan balance.
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Ant borrowing shows that there are too many applicants today and please be early tomorrow, then it means that the quota for today's application is full, and you can only wait until the next day to reapply, the number of applications for ant borrowing is limited, and the number of places is fixed every day, and the number of places can not be applied for, if you want to apply for borrowing, you can apply after 12 o'clock in the evening, and you can get it early.
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SMS prompt, or page window prompt?
If it's a prompt in the page window, just keep applying, just like Yu Yu Bao transferred in at 9 o'clock, there are too many people displayed, but as long as you keep clicking it, it's OK.
Another is that after borrowing money, it cannot be paid off immediately at one time, so that the borrower has no interest to earn, which may have an impact on the amount, and it is difficult to borrow money.
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Since Alipay has prompted "There are too many people who apply today, come early tomorrow", it means that the number of places to apply for today has reached the point where you can no longer apply, so no matter how you click, there is no more, and you can only wait until the next day to apply.
After 12 o'clock in the evening, you can apply for the quota, because the author applied after 12 o'clock in the evening of the same day, and you can indeed open the application button, and you can also successfully get the quota. The author just felt that too many people applied during the day, so I waited until after 12 o'clock in the evening to apply.
Ant Financial Services Group ("Ant Financial") started as Alipay, which was founded in 2004. In October 2014, Ant Financial was officially established.
On January 9, 2018, according to Shanghai TV station, Alipay's small loan product "Ant Borrow" took the initiative to close some user accounts to control the loan balance due to excessive leverage and violation of relevant regulatory regulations of the central bank.
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It's just that it's in the development stage now, many people apply, and it takes time to review, you didn't apply when you first started developing, and now you are just in time to apply, and you will see it tomorrow, and it may not be too late to apply.
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At present, the borrowing is evaluated according to the comprehensive situation of the account, and cannot be opened artificially, so it is recommended to continue to maintain a good letter reuse, and follow up with patience and attention. At the same time, we also remind everyone not to trust others, so as not to cause financial losses.
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It's possible that you don't have a low credit score. Make timely payments and maintain good credit.
The Ant Loan limit is based on a comprehensive assessment of your account situation, and the limit of different accounts may be different, and the limit of the same account will also change in real time, and the final amount of your loan limit shall prevail.
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No, fake, don't believe it.