Is it safe for Ele.me to borrow, is it safe, and why can t Ele.me borrow suddenly

Hungry. Borrowing, according to feedback from netizens, is very pitiful, unsafe, and has an annual interest rate.

24%, which is twice as valuable as paying.

Extended Information: Loan Terms:

1.Have a fixed residence in China, or have a permanent residence in a local town (or a valid residence permit.

Ming), or Chinese citizens with full capacity for civil conduct who have a fixed place of business;

2.Have a proper occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3.No bad credit record;

4.The purpose of the loan cannot be used for **, house purchase, gambling, etc.;

5.Other bank micro-loan conditions stipulated by the lender.

Application Materials:1Provide a personal ID.

It can be an ID card, a residence permit, a household registration book, or a marriage certificate.

and other information; 2.Provide proof of stable address, housing lease contract.

Wait. Loan amount: The amount of loans lent by different banks is also different, and the loan amount is comprehensively assessed according to different occupations and incomes, such as ordinary salaried people and people working in public institutions.

Application process: The processing process of bank small loan mainly includes the following steps:

First, the borrower submits an application to the bank branch that offers the microloan. When applying, the borrower must bring the ID card and other relevant materials, and if it is a merchant, it also needs to bring the business license.

Second, after receiving the borrower's application, the bank investigates the borrower. The bank mainly examines the borrower's personal credit status and personal income status to determine whether to lend money.

Third, after passing the bank's investigation and approval, the loan contract is signed with the bank.

Fourth, the bank lends money, and the borrower successfully gets the loan.

The above is just the general process of bank micro-loans, and the regulations of different banks may be slightly different, and the information required may be different. Therefore, those who want to borrow can go to the ** or branch of the bank to make a special consultation to ensure that they can get a loan smoothly. In addition, banks will require borrowers to meet certain conditions, such as age, income level, and ability to repay loans.

Loan method: 1. Salary card loan.

Require the borrower to have a payroll card account with the bank;

2. Personal loans with income and bank statements.

Bank statements from any bank can be provided to prove income.

3. Insurance guarantee loans.

For example, Ping An Easy Loan is guaranteed by an insurance company for an unsecured loan from a bank.

4. Have a joint account for housing loan or provident fund.

Banks such as CCB can provide unsecured loans to customers who have a mortgage on a mortgage in the bank and are in the process of repayment.

5. Joint guarantee loans.

Post Bank. Credit cooperatives, Agricultural Bank of China.

etc., can be used as a joint guarantee loan for three households and five households.

6. Mortgage loans.

If you are unable to provide bank statements, you can also take out a loan with a mortgage such as real estate.

Ele.me borrowing is still more reliable, because it is launched by a formal institution, but once it is overdue for a long time, it may be blocked by Ele.me, and it will also affect your personal credit.

Secondly, Ele.me's loan is customized and developed for Ele.me users by consumer finance, and the operation of Ele.me's operating body, Shanghai Lazas Information Technology, is still relatively reliable. In fact, the major Internet platforms are in the financial field, and Ele.me has started relatively late.

At present, the maximum amount that can be applied for is 300,000, and the maximum use period is 12 months. In terms of information, the information required may vary depending on the employer. It is said that it is better to make the next payment now, and you can handle it online throughout the process, and if you have a quota, you can generally withdraw it directly to the account.

Generally, if the first-time application quota is low, as long as you maintain a good reputation and often order food on Ele.me, you can gradually increase the quota. In terms of interest, according to the official introduction, the comprehensive daily interest rate is around (please refer to the actual interest rate at the time of borrowing for the specific actual interest rate).

At present, only invited users can see the loan entrance, and non-invited users can see the loan supermarket, if you open it and see the loan supermarket, there is no entrance, if you want to apply for hungry money, you can quickly open the Ele.me app, and apply in my wallet-loan.

There may be two reasons why Ele.me suddenly can't borrow

1.The loan was not fully repaid.

2.Ele.me still can't borrow money after repaying all the money because of a change in personal credit. When a user applies for a loan, the Ele.me platform will review the user's credit status again, and decide whether to borrow based on the user's personal credit status.

If the platform finds that the user's repayment ability has decreased in the process of reviewing the user's credit, or the user has failed to repay the loan within the time limit, then the platform will refuse to issue a loan to the user again.

Note: Under normal circumstances, the loan limit of the Ele.me platform can be recycled, as long as the amount owed is successfully repaid, then the amount will be restored, and users can continue to use the loan, so you must cherish your credit.

Extended Information:1What is an Ele.me loan?

Ele.me Loan is actually a loan, and the popularity of Ele.me is not high, and Ele.me was founded in 2009, as of June 2017, Ele.me** takeaway platform covers 2,000 cities across the country, with 1.3 million franchised restaurants and 100 million users. The loan was launched on October 26, 2017, with a loan amount of 500-2,000 yuan and a loan period of 7 days and 14 days. For example, if you need to borrow 1,000 yuan, the repayment amount after 7 days of borrowing is 1,056 yuan.

2.How does Ele.me borrow money?

Ele.me can borrow money, but you need to note that the loan on Ele.me is specifically for merchants, so if you are a consumer user, you will not be able to find a loan channel in the Ele.me app.

3.What is the interest rate of Ele.me? Ele.me's loan product specifically for merchants is called e-Finance.

It is a platform launched by Ele.me in cooperation with a number of financial institutions to solve the borrowing needs of merchants, allowing merchants to take loans to operate, decorate, open stores, etc. The products included in e-finance include MYbank, online business loan, paipai loan, 51 credit card business fund, etc., with a maximum amount of 300,000 yuan and a minimum interest of only 2-3 yuan a day.

Operating environment: Apple 12, iOS 14, Ele.me.

Is it reliable to borrow money from hunger? Hungry with money in **, is it easy to apply?

Ele.me is a customized development of consumer finance for Ele.me users, and the operation of Shanghai Lazas Information Technology, the main operating body of Ele.me, is still relatively reliable. If you are eligible to apply, you can apply directly in My Wallet - Borrow Money. But now this product is invite-only, and only eligible users have access.

And when the user uses the specific services of the Hungry Gold platform, the following conditions must be met:

1. Must be a registered member of Ele.me, and must provide true, valid and complete information in accordance with the requirements of Ele.me financial institutions;

2. The user's credit status is good and there is no major bad credit record;

3. Have sufficient performance ability and be able to arrange the repayment plan reasonably;

4. Agree to the "Hungry Gold Platform Service Agreement" and other agreements and legal documents related to specific services, and meet the requirements of relevant laws, regulations and regulatory provisions.

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!

Personally, I think it is unreliable, because this product is an online loan product, and it is best for users to stay away from online loan products when it is not necessary to avoid being affected by these high-interest online loan products. 1. What's going on with Ele.me borrowing money? The borrower of the "Ele Yongjin" launched by Ele.me is Huarui Bank, which is a loan product jointly launched with Instant Consumer Finance.

According to the information on the page, the maximum borrowing amount of hunger money is 50,000 yuan, 1,000 yuan for 1 day, and the interest is as low as yuan. Immediately consumer finance provides actual borrowing services, and Ele.me provides diversion services, which comes with certain rights and interests for Ele.me money, and users can get Ele.me takeaway coupons after successfully borrowing. 2. Ele.me's financial situation.

Food and beverage is the starting point for Ele.me to provide local life services, and together with Hema Fresh's "half-hour delivery" and 24-hour family emergency service, Tmall supermarket's one-hour delivery, and other first-line brands "online order store delivery within two hours" to create a "three-kilometer ideal life circle" of Alibaba's new retail strategy, and jointly create a part of Alibaba's new retail strategy. Although the long-lasting cash-burning war has brought large-scale customer acquisition, whether it is a merchant or a consumer, users are attracted by discounts to switch between multiple platforms, and the food delivery platforms represented by Ele.me and Meituan have always been difficult to get rid of the bottleneck of relying on scale for growth. 3. It is best for users to stay away from online loan products.

1. For people who have no self-control, online loans can make people fall into the bottomless abyss. Why are there so many online loan cases for college students? That's why.

They lack good self-control and lose themselves in the consumption after consumption. 2. Online loans are very risky. Aside from the high interest, there are not a few people who are deceived because of online loans, especially in today's era of such frequent online fraud, online lenders themselves are also the best fat to target, many cases of fraud because of online loans tell us that online loans may only be set up by others for you.

3. At present, the online loan industry is mixed, and there is no relevant laws and regulations to guide it, and the phenomenon of the online loan industry is extremely chaotic. First of all, there is the high repayment interest, handling fees, overdue fees, and liquidated damages, as long as the repayment is not timely, they will flock to it.

1. Turn on your phone, open Ele.me 2, enter Ele.me, click "My" in the lower right corner 3, enter and select "Card Gift" 4, enter and click "Borrow money" 5, enter and click "My" in the lower right corner 6, enter and click "Loan History" 7, and you can see the loan record when you enter.

Answer. How to borrow money when you are hungry, as long as you meet the conditions, you can borrow money by following the prompts.