What is the general amount of micro loans, and what is the maximum amount of micro loans

Generally speaking, the credit line of micro loans.

Between 500 yuan and 300,000 yuan, the minimum amount that each user can borrow in a single transaction is 500 yuan and the maximum is 40,000 yuan. If it exceeds $40,000, the borrower can lend it in multiple installments. The credit line of WeLoan is the maximum amount that can be borrowed according to the applicant's personal credit situation, and the maximum application amount is 300,000 yuan.

In addition, the credit line is not equal to the available credit line, and the usable line of credit is the sum of the principal amount that has been withdrawn and has not yet been settled. If there is no micro loan on WeChat, or if there is no quota after clicking, then it may be that the personal credit assessment does not meet the requirements, and it is recommended to use WeChat Pay more.

Wait for the function, and see if you can apply for it after a while.

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 of the customer's economic income level, debt situation, credit status and other aspects. It is precisely because of this that the better the credit conditions of the customer, the higher the approved amount is likely to be.

The amount of WeLoan 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.

What is a quota?

Refers to the amount of money that the lender can borrow from the borrower without providing financial security. It usually refers to the maximum amount that a natural person borrows from a bank, and the bank is willing to provide the maximum amount of the loan according to the individual's credit status. This amount will be unilaterally determined by the bank due to factors such as income, revenue, debt ratio, job content, company, company position, property, etc.

This type of lending relationship is usually the case where a bank lends money to a natural person. On the other hand, banks lend money to organizations usually for commercial organizations, commercially, and cross-border exchanges.

Required Business Practices.

The loan amount is generally assessed based on the borrower's comprehensive qualifications, which is subject to the review of the lending institution. "WeLoan" adopts a user invitation system, and invited users can currently see the "WeLoan" entrance in the "QQ Wallet" of QQ on mobile phones and the "WeChat Wallet" of WeChat, with a maximum loan amount of 300,000 yuan.

Tips: If you have any capital needs, you can also handle it through the official channels of our bank. Ping An Bank has launched unsecured and unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars, different loan application conditions and requirements are different, whether the approval is successful is based on your comprehensive qualifications to evaluate, you can log in to Ping An Pocket Bank APP-Finance-Loans, learn more and try to apply.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

The WeParticle Loan Limit is determined based on the user's personal qualifications, and the system will conduct a comprehensive evaluation of the user and give the corresponding credit line according to the score.

Generally speaking, the credit line of micro loan is between 500 yuan and 300,000 yuan, and the minimum amount that each user can borrow in a single transaction is 500 yuan and the maximum is 40,000 yuan.

If it exceeds $40,000, the borrower can lend it in multiple installments. Suppose the borrower wants to borrow 50,000 yuan, he can divide it into 40,000 yuan and 10,000 yuan and apply for two loans.

Extended Resources:"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.

Micro loans"Adopting 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.

The "micro loan" product is positioned as an Internet microfinance product, with a loan amount of less than 200,000 yuan and a loan interest rate lower than that of a general credit card. klogo

"WeLoan" is to screen out the first batch of users who are most suitable for the "WeLoan" customer positioning through the "whitelist" mechanism, mainly within Weizhong and Tencent. In the next step, WeBank will be listed in WeChat Wallet together with QQ Wallet. [1] "WeLoan" adopts a user invitation system, and randomly selects whitelisted users from among the users who meet the current credit conditions and invites them to use the product.

Users only need to bind a bank card, and they 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.

Users only need to click "borrow money" 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.

On May 15, 2015, "WeLoan" was officially launched on the mobile QQ, and on September 14, 2015, it was launched on WeChat, and invited users can find "WeLoan" in "WeChat-Me-Wallet" or "Mobile QQ-Me-QQ Wallet-Fund Management".

The credit algorithm is mainly based 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, focusing on 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 Hand QOn WeChat, the 'micro loan' will refer more to its WeChat activity.

The maximum loan amount is now $300,000The limit is determined based on your personal credit profile and profile.

Micro Loan Raising Tips:

1. Keep money flowing.

First of all, you need to bind a bank card under your name, and then you can increase the liquidity of your account by sending red envelopes or transfers. A large amount of turnover is also helpful for raising the amount, 2. Enrich the network.

3. Buy financial management.

Buying more wealth management products means that the higher your credit level, the stronger your financial risk awareness, and the user level of the wealth management products you buy may go up.

Use the living payment function in WeChat, pay the water and electricity bills on time, you can recharge Q coins, buy lottery tickets, game recharges, etc., and you can also use e-commerce on WeChat to buy things, such as Jingdong and Mushroom Street.