What is the basis for the amount of Micro Loan, and why is the amount different for each person?

It is comprehensively determined based on the user's account credit qualification.

At present, the credit line of WeLoan to users is between 500 yuan and 300,000 yuan, which varies according to the comprehensive situation of the individual. A single loan can be borrowed between 500 yuan and 40,000 yuan. The daily interest rate is 2-5 yuan for 10,000 yuan a day.

WeLoan adopts a user invitation system, and invited users can currently see the "WeLoan" entrance in the "QQ Wallet" of QQ on their mobile phone and the "WeChat Wallet" of WeChat, and can get a maximum loan amount of 300,000 yuan.

How to solve the problem that I can't borrow if I have a quota for micro loans?

As much as the amount of the micro loan is displayed, the amount of the amount that should be able to be lent out, and the amount will be restored immediately after repayment, why does early repayment lead to insufficient overall score? In general, the impact of early repayment on the overall score is not direct. However, early repayment is considered a breach of contract in the loan contract, and the lending institution will lose a certain amount of interest expense, which some lenders do not like very much.

Moreover, early repayment means that users do not need the quota very much, and the total amount of WeLoan is limited, and for the platform, the amount can be lent by the user instead of being idle in the account is the most profitable, so at this time, the loan platform will often put the quota to users who are more in need.

In addition, according to the feedback of some netizens, if the early repayment is paid off in full, the amount will basically be restored quickly, so you can also pay attention to it in the process of use, borrow the required money at one time, and try to repay the loan in installments or in full according to the agreement when repaying.

There is also a situation where the user's credit report is overdue, or the credit service of WeChat is in default, which will lead to the freezing of the quota and the unusability. In this case, it is best for users to settle the arrears quickly, deal with the default, and then slowly recover the quota through good WeChat usage habits.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

Hello, the amount of micro loan is determined according to your account credit qualification, the limit range is 500-300,000 yuan, each person's limit is different, if you are in a hurry to use money, you can also use money to spend, "money to spend" is the original financial credit service brand (original name: money to spend, renamed in June 2018 changed to "money to spend"), with easy application, fast lending, flexible borrowing and repayment, transparent interest fees, strong security and other characteristics. The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement.

Early repayment is possible, and the recovery limit can be revolving after repayment. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

The amount of micro loan is different for each person, and the limit is officially granted by the user when the user opens it, and the official will adjust the limit according to the personal credit in the later stage. Maintain a good repayment history and personal credit, and there is a great chance that the limit will increase.

The micro loan limit is comprehensively evaluated by the system according to the customer's personal credit situation, and the amount is different because each person's comprehensive qualifications are different. It is recommended that you maintain a good record of borrowing and repaying to help increase the limit.

At present, the credit line of Weparticle Loan to users is between 500 yuan and 300,000 yuan, which varies according to the comprehensive situation of the individual, and a single loan can be borrowed between 500 yuan and 40,000 yuan. In the process of using WeLoan, some users say that the quota is often insufficient, so how can WeLoan quickly increase the amount?

There are several ways to raise the amount of micro loans:

1. Complete personal information, bind bank cards, and do not frequently change mobile phone numbers and addresses;

2. Timely repayment of micro loans, binding credit cards, and ensuring good credit card repayment records;

3. Add people with good credit as friends, and it would be better if the other party's micro loan amount was large;

4. Interact with friends more, such as sending red envelopes and transferring money.

If your micro loan limit is not enough, you can also consider other reliable big brands, such as Alipay Loan, Du Xiaoman Finance has money to spend. 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 for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

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.

For most ordinary users, when the micro loan is first opened, the amount is generally less than 50,000 yuan. However, the system will adjust the relevant quota for users from time to time according to the different ratings of users. Therefore, as long as the user uses it normally, there is no need to worry too much about the lack of quota.

According to official information, the loan amount of micro loan is between 500 yuan and 300,000 yuan, and the amount of money that users can get varies from person to person. In terms of the opening of micro loans, it is not for all users. Because it adopts an invitation-only method, only users who are invited by the system can have the opportunity to open this lending function.

The system will collect various user information of QQ and WeChat, evaluate it, and then decide whether to open it for users. Therefore, if you don't have a friend who has opened a micro loan, as long as you maintain your user credit, the opportunity to open a micro loan will increase a lot.

For WeLoan, an online lending product, many users may be worried about its security. In this regard, friends who know about this loan product know that WeLoan is a small loan product launched by WeBank, which is the first Internet private bank in China and has been approved by the China Securities Regulatory Commission. It can be seen from this that micro loans are the regular products of banks.

Users don't need to worry about its security.

Since it is a loan product of the bank, if the user is overdue. WeBank will upload the user's overdue records to the central bank's personal credit reporting system. Once this happens, the user may be directly rejected by the bank when applying for a credit card or loan in the future.

Therefore, when using WeLoan, users must maintain their good credit. So as not to cause unnecessary trouble for your own future.

It generally has no effect on individuals. According to the "Interim Measures for the Management of Basic Personal Credit Information Databases", commercial banks shall obtain the written authorization of the person being inquired into when inquiring into personal credit reports.

Extended Information] I"Micro loans"It is the first Internet bank in China, WeBank, to launch a pure online microcredit revolving consumer loan product for WeChat users and mobile QQ users, which was launched on mobile QQ in May 2015 and WeChat in September.

II"Micro loans"With the official invitation system, invited users can currently be on the mobile phone QQ"QQ Wallet"as well as WeChat"WeChat Pay"Inside"Micro loans"entrance, you can get a maximum loan amount of 200,000 yuan.

3. "WeLoan" is to screen out the first batch of users who are most suitable for the "WeLoan" customer positioning through the "white list" mechanism, mainly within Weizhong and Tencent. In the next step, WeBank will work with QQ Wallet and can also be launched in WeChat Wallet, and WeLoan "adopts a user invitation system, randomly screening whitelisted users among users who meet the current credit conditions and inviting them to use the product."

Fourth, the user only needs to bind the bank card, and can click "borrow money" with one click, and the system will judge the personal credit situation within a few seconds and give a certain amount. Users do not need any collateral, fill in the information according to the corresponding prompts, and complete the loan.

5. Users only need to click "borrow" in the "wallet" entrance of QQ and WeChat on their mobile phones, and the system will judge their personal credit situation within a few seconds and give a loan amount ranging from 500 yuan to 200,000 yuan. Users do not need any collateral, fill in the information according to the corresponding prompts, and the loan can be completed within 3 minutes. After borrowing money, it can be settled in advance at any time, and interest will be calculated on a daily basis.

Sixth, it mainly relies on Tencent's social data accumulated over the years and the central bank's personal credit data. In addition to personal credit profile, social data is a significant part of our scoring system flags. Whether it is on WeChat or on Handq, the 'WeLoan' will fully refer to the user's data in the entire Tencent system when granting credit, including the social data of the two platforms.

However, on different channels, the criteria for judging the quota will be emphasized. For example, when setting a credit line for users, the 'micro loan' on hand Q will refer more to the activity of their hand QOn WeChat, the 'micro loan' will refer more to its WeChat activity.

The records will be monitored in real time, and for customers with large consumption amounts, the limit will be increased accordingly.

2. Wealth.

The user's change balance, financial management records and other information will be included in the scope of wealth assessment by the system, usually the amount of turnover is large, and the wealth management product is purchased.

users are more favored by the system.

3. Credit situation.

When applying for a micro loan, you need to check the personal credit report.

The reason why the approved amount is different for each customer applying for a micro loan is because their credit conditions are different. After all, the amount of micro loan is determined by the system based on the comprehensive evaluation results of the customer's economic income level, debt situation, credit statement and other aspects. It is precisely because of this that the better the credit conditions of the customer, the higher the approved amount of Sun Xinji.

You can also rest assured that the micro loan limit is not fixed forever, and the system will conduct a comprehensive evaluation and review of customers from time to time. Therefore, even if the initial amount is not high, as long as you repay the loan well, accumulate a good loan and repayment record, and maintain a good personal credit, the system will raise the amount for the customer. Of course, if the customer has bad behavior, such as overdue repayment, the system will also reduce the amount or even freeze the limit.

In fact, not only the amount is different, but the interest rate is also different, after all, the interest rate of micro loan is also set according to the customer's comprehensive qualification, so the better the personal comprehensive qualification, the lower the interest rate.