Online loans have been rejected Which can be loaned, why are online loans rejected?

Hello, it is convenient and easy to borrow money on the Du Xiaoman platform. Du Xiaoman's credit service products have money to spend, providing users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of the consumer loan is as low as the daily interest rate and the annualized interest rate is as low as the annual interest rate, which has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

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

Note: Only debit cards are supported, and the application card is also your debit 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.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the Duxiaoman APP-Youqianhua loan page. Hope this helps.

1. If the online loan is rejected and the customer needs money urgently, the customer can try another online loan product, and maybe the online loan can be successfully borrowed. Of course, if you apply for several online loans and are rejected, you may have recorded your bad behavior in big data. As a result, it is more difficult to successfully apply for an online loan, after all, information is interoperable between many platforms.

2. In this case, you can try to apply for a loan at the bank. Because banks generally measure the credit status of customers by reviewing their credit reports, rather than evaluating them through big data. Therefore, as long as the customer meets the loan conditions proposed by the bank and has good personal credit, he will have the opportunity to apply for a bank loan.

Of course, compared with online loans, bank loans will have stricter conditions, and it is not so easy to apply. In fact, the important thing is personal credit, maintaining a good credit will bring a lot of help to customers to apply for loans and credit cards. On the contrary, if the personal credit is not good, it will cause a lot of obstacles.

Extended Information: Introduction to Online Loans:

1. Online lending, the foreign name is Internet lending, and P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between imitation entities and individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

3. The essence of Internet finance is still finance, and the characteristics of concealment, contagion, extensiveness and suddenness of financial risks have not changed. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial regulation should be followed"Supervise in accordance with the law, moderate supervision, classified supervision, collaborative supervision, and innovative supervision"The principle of Cong Tan scientifically and reasonably defines the business boundaries and access conditions of various formats, implements regulatory responsibilities, clarifies the bottom line of risks, protects legitimate operations, and resolutely cracks down on illegal and illegal behaviors.

Big data is fine, but if you apply for an online loan but don't get it, it may be because.

1. The platform is connected to the central bank's credit information, so it will also check the credit information when approving it, and there is bad information recorded in the personal credit report, and there are certain problems with personal credit, which makes the platform worry about the greater risk of lending.

2. Recently, many loans have been frequently applied, and there have been long loans, and the personal debt ratio has also risen quite high.

3. The platform business is busy and the loan amount is tight.

4. The system is being maintained and upgraded.

Nowadays, there are many online loan big data systems that can provide online loan record query, and you can query important data information such as online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate amount in "Changbai Data".

Extended Information: Can I apply for an online quick loan if I have an online loan?

If you have an online loan, you can apply for a quick loan.

As long as the user's network does not have a lot of loans, there is no personal debt ratio due to online loans, or personal credit is too expensive due to online loans, and there is no overdue repayment during the user's use of online loans, then it will generally not have an impact on the application of online loans.

In addition to meeting the basic conditions such as good credit and age standards, the application for ABC online quick loan also needs to meet different conditions for different types.

1. Provident fund.

In the borrower's credit report, the borrower has 2 years or more of provident fund contribution information, and the latest update date is less than 6 months.

2. Mortgage. The associated personal housing loan has been repaid for more than 24 months (inclusive).

3. Social security. In the borrower's credit report, the borrower has social insurance deposit information for 2 years or more, and the latest update date is less than 6 months.

4. Destroying the capital of the workers.

The borrower pays wages on behalf of ABC for more than 1 year (inclusive).

5. Debit card.

The debit card transaction history is recorded for more than 2 years, and the annual transaction flow and transaction frequency meet the requirements.

If a customer is always rejected when applying for a loan, it is likely due to the following reasons:

1. The customer's credit is not good.

Because whether it is a bank, a lending institution, or a platform, they will review the customer's credit report or big data during the loan approval process to understand the customer's latest credit situation. Therefore, once the handling bank (lending institution, platform) finds that there is a recent bad record in the customer's credit report or big data, most of them will refuse to approve the loan because they are worried about the risk of overdue loans.

2. There is a situation of long lending.

If customers frequently apply for loans, it is easy to cause personal credit reports or big data to become "spent", too many loan records, and even multiple loans. If there are still many credit products in the name that have not been repaid, it will also appear that the personal debt ratio is too high. As a result, banks (lending institutions, platforms) are likely to be worried about the customer's unstable economic life and insufficient repayment ability when approving the loan, and it is easy to reject the customer's loan application.

If you are unclear about your debts and online loan data, you can get an online loan big data report from Sixi Data, which has detailed data on online loan application records, overdue details, blacklists and other information.

Extended Information: What should I do if my online loan application is rejected too often?

If you are rejected due to too many online loan applications, it is best not to apply for a loan in a short period of time, but to maintain your personal credit first and maintain a good credit history. If you really can't turn over the funds, you can choose to find relatives and friends to turnover, or swipe credit cards and so on.

Moreover, you should also pay attention to the repayment time of the online loan you are using, and it is best to set the time to repay in advance, so as not to be overdue, otherwise it will have a negative impact on your personal credit.

1. Go to a bank or other licensed financial institution to apply for a loan, if the previous online loan is not connected to the central bank's credit, it is estimated that it will only be recorded in the big data, and the bank and other licensed financial institutions in the examination and approval of the main check is credit, and there is no relationship with big data, so as long as the credit can be guaranteed, then there is a chance to borrow.

2. If you don't need funds urgently, you can choose to postpone the application and keep not borrowing for at least three months, so as to improve the long lending situation due to too many online loan points, and you can take advantage of this period to repay the loan that has been borrowed but not yet paid off.

3. When reborrowing, you can provide collateral or guarantor approved by the lending institution, which can also increase the possibility of loan approval.

4. Note that some online loan platforms may have a very low application threshold, and may only provide an ID number or mobile phone number, and you can directly place the payment without review, but most of these online loans are not very formal, and it is not recommended to apply.

1. What are the specific conditions for applying for a bank loan?

The threshold for bank loans is relatively high, and the review is much more rigorous, and the following basic conditions for loans must be met:

1. The applicant must be a natural person with full capacity for civil conduct and have legal status;

2. Have a stable job and income, and have the ability to repay the loan;

3. The personal credit is good, and there is no bad record in the central bank's credit system.

In addition, bank loans are divided into personal credit loans, housing mortgage loans, college student entrepreneurship loans, self-employed loans, housing mortgage loans, etc., and different application materials are also required to apply for different loans, such as bank statements, work certificates, collaterals, house purchase contracts, etc.

2. How long is the online loan overdue to be sued?

More than 90 days.

First of all, if it is overdue, it will have an impact on its credit according to the length of time, and the credit report is seriously overdue (more than 90 days), and it is impossible to apply for any loan business before the overdue repayment, and secondly, there will be additional costs such as liquidated damages and overdue interest, and the last interest greater than the principal is not a new thing during the long-term overtime period, please be cautious.