Why can t ants borrow money?

Borrow. There are two main situations when you can't borrow, the first is that there is no loan limit on the loan page, and you can't submit a loan application without a loan limit; The second is that there is a loan amount, and the application is not approved after submission, and the user does not pass the review, which is usually caused by not meeting the loan conditions. Therefore, you can't borrow money, and you must wait for the borrowing limit on the page to resubmit the loan application.

Repeated applications for borrowing in a short period of time are not conducive to passing the review, and users can continue to maintain a good credit history and apply again after a period of time.

Extended Materials. "Current Name Credit Loan" is a loan service launched by Alipay, according to Sesame.

Depending on the number, the amount of loan that users can apply for varies from one person to another. 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.

January 9, 2018, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

"Borrow" 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.

At present, the consumer loans launched by e-commerce giants.

It is mainly for the installment in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, it is aimed at personal credit loans in the non-consumption scenario.

It is also being rolled out one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao.

Uncle; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

1.According to Alipay's latest regulations, if the user has multiple overdue and malicious cash-out behaviors in the process of using Huabei or Borrow, after being detected by the Alipay system, the user's Huabei and Borrower will be forcibly suspended. So, if you find that your IOU shows that you can't borrow money, you can check if you're overdue.

2. As a student, according to the latest national regulations, the microcredit platform shall not provide any lending services to students without financial income. So this year, the borrowing channel has been closed for school students. If a user finds that they can no longer request a loaner, it may be because their information shows that they are enrolled in school.

Alipay's borrowing can't borrow money, either because there is a problem with your credit information, or the balance you borrowed has exceeded your use authority, typing.

You can't borrow money from Alipay, but it's also because the amount you borrow is too large, or you're not qualified to borrow. So it will remind you that you can't lend you money.

Alipay's borrowing package can't borrow money, it should be that you haven't opened it, if it has been opened, then your credit score is not high, so Alipay's borrowing help can't borrow money.

If the borrowed money exceeds the Huabei limit, or if there is a problem with your credit report, you can call the personal credit report to see.

Alipay borrowing is automatically opened by Ant Finance's background review of customer qualifications, and the lack of a quota for borrowing means that your qualifications have not passed the background review...

Since the borrower does not require collateral and guarantee, the system will review your account situation and the use of the borrower from time to time during the use process.

Comprehensive assessment, there may be situations that can be used before and cannot be used now. Condition.