Is it better to take the initiative to apply, and the reason why the application is not approved

With the increase in people's demand for borrowing, many loan platforms have been born on the market, among which Alipay's borrowing has a high popularity, and many friends will consider borrowing to apply for loans when they encounter financial difficulties. At the same time, many Alipay users find that they are not yet able to use the borrowing function. So, how to open a borrowing?

The activation of borrowing is the result of system review, and users cannot take the initiative to open it. To open Ant Borrow, the following conditions need to be met: (1) the Alipay account has completed real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to a mobile phone.

For accounts that meet the above conditions, the system will conduct a comprehensive assessment from time to time based on your account usage, and whether it can be used or not is subject to the system assessment, and manual intervention is not possible.

If you have an urgent need for money, you can choose Du Xiaoman Finance, which is also a big brand of BAT, to spend money. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brands are more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan a day is as low as 2 yuan, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more.)

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

There is no individual active application for borrowing and Huabei, all of which are automatically opened by the system, provided that you meet the requirements.

Borrowing is actually very easy to open, especially for the first time to apply, as long as you have no problem with Sesame Credit, it is easy to give you a quota.

This is not very difficult, as long as your sesame credit score is appropriate, it can be approved quickly.

Whether the borrowing application is better depends on what your sesame credit is.

As long as your previous credit rating is okay, you can basically pass.

Borrowing is not something you can apply for, borrowing depends on personal credibility.

It doesn't seem to work, it seems to be an invitation system.

It is not eligible for borrowing.

Application conditions, such as the applicant's Alipay has not been authenticated with real name.

Under the age of 18, etc.; If the applicant fails to pass the comprehensive qualification assessment of the system, if the applicant has a Sesame Credit score.

Not enough or used Huabei before.

If it is overdue, then it may also fail the review. The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

Extended information: "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 are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

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.

The failure of bank loan approval is generally caused by the following reasons:

1. Personal credit is not good. Personal credit is the primary criterion for bank loans. In particular, bank credit loans have higher requirements for the borrower's credit information, and the borrower's credit report is slightly flawed, which can easily lead to the failure of bank loan approval.

In addition to the requirements for the borrower, bank mortgages also have certain requirements for collateral.

2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risk. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability.

A large part of the reason why the bank loan application is not approved is that the borrower's personal income level cannot meet the repayment amount, or the borrower currently has several loans in his hand that have not been repaid, and the credit status cannot meet the repayment requirements, and the probability of approval of the application is very small.

3. The personal debt ratio is too high. Generally speaking, the reason for the failure of bank loans is not only the lack of a stable job, but also the high personal debt ratio of the borrower. How to judge the level of personal debt ratio?

Under normal circumstances, the bank's assessment standard for debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%, if it exceeds this range, the bank will refuse to lend.

At present, it is relatively easy to pass the user's loan application for borrowing, 360 IOU, Qianhua, Anyihua, Banyan Loan, Micro Loan, Jingdong Gold Bar, Gome Easy Card, Installment Le, Paipai Loan, Repayment, 58 Good Loan Foreign Money Bank, Enough Flower and Good Loan. However, whether the loan platform ultimately passes the user's loan needs depends on the user's current personal qualifications, the higher the personal qualifications (the higher the education, the more stable the job and income, the better the credit record, and the less debt), the easier it is for the loan platform to pass the user's loan application, and vice versa.

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!

The reasons for failing the review of the borrower may be:

1. Do not meet the application conditions for borrowing, such as the applicant Alipay has not real-name authentication, is under the age of 18, etc.;

2. If the applicant fails to pass the comprehensive qualification assessment of the system, if the applicant's sesame credit score is not enough or the previous use of Huabei is overdue, then the review may also be rejected.

The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

I just now, I was also prompted to fill in the information, and I will be notified within 24 hours, but I went to see the borrowing after five minutes, and it still prompted that it could not be opened. What's going on???

That's finally opened, it's not opened.,I'm finally having a window.,After filling in the information and submitting it, it becomes the same as you.,What do you mean.。

Mine too. I don't know what the situation is. Ask customer service.