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Anonymous users2024-02-121.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.
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Anonymous users2024-02-11There are two main situations in which you can't borrow:
The first is that there is no loan limit on the loan page, and it is impossible to 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 loan limit on the page to resubmit the loan application.
On January 9, 2018, according to Shanghai TV news, Alipay's small loan product "Ant Borrow" may have voluntarily closed some users due to excessive leverage and violation of relevant regulatory regulations of the central bank to control the loan balance.
In April 2018, when Liang Yiming's credit card limit was reduced by 80,000, he borrowed 60,000 yuan on several large platforms such as Borrow, WeLoan, Paipai Loan, and Wanfan Ping An Puhui. But after giving his wife and children living expenses and a mortgage, the money left over each month is not enough to repay these loans.
On November 7, 2021, according to feedback from netizens, Alipay borrowing has been updated for it"Line of Credit"After the update, borrowing, auditing, and repayment will remain unchanged. The official said that the credit loan is a consumer credit service provided by a financial institution that cooperates with Ant to provide users independently, and the consumer credit service provider will be displayed, and the user's quota and interest rate are the result of the financial institution's independent approval, and the loan funds applied for by the user are also issued by the financial institution.
In November 2021, it was reported that Borbei responded that Borbei is gradually promoting brand isolation, and a number of licensed financial institutions, including Ant Consumer Finance Company, will jointly provide users with small consumer credit services.
In the future, borrowing will be provided by Ant Consumer Finance and will become the exclusive brand of Ant Consumer Finance. Credit services provided independently by banks and other financial institutions will be displayed on the "Credit" page. In the process of brand isolation, the service experience of users will not be affected, and the core processes such as activation, account review, interest calculation, loan and repayment will not change.
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Anonymous users2024-02-10The possible reasons are as follows:
1.Violations, according to the latest regulations of Alipay, if the user has multiple overdue and malicious cash-out behaviors in the process of using Huabei or borrowing, after being detected by the Alipay system, the user's Huabei and borrowing will be forcibly closed. Therefore, if the user finds that he cannot borrow on his borrowing, he can check whether he is overdue.
2.According to the latest regulations of the state, microcredit platforms are not allowed to provide any lending services to students who have no financial income. Therefore, borrowing has been closed to students in school this year.
If a user finds that he or she can no longer apply for a borrowing product, it may be because his information is displayed as a student at school.
3.Frequent early repayment, although the official support of users to repay in advance, but because Ant Borrowing is a product calculated according to the daily interest rate, if the user chooses to repay in advance, it may cause the borrowing system to be unable to earn income. At this time, the system may also suspect that the user is suspected of cashing out, and in order to avoid the risk of borrowing, the user's borrowing credit line may be withdrawn, resulting in the user being unable to borrow again.
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. >>>More
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