I ve borrowed a lot of borrowing software, how can I borrow money again?

If you have already applied for a loan on many lending platforms and want to borrow again, you must ensure that your personal credit is good and you have the ability to repay the principal and interest of the loan on time, otherwise the loan will not be approved and disbursed.

And everyone needs to pay attention to the fact that if you borrow too much frequently, it is inevitable that there will be long borrowing, which will lead to credit investigation and Ding Yi.

Quick check big data becomes "spending", which affects loan approval. Therefore, it is recommended that if you have a lot of loans under your name, it is best not to apply for a new loan for at least three months, and take advantage of this period to pay off the unpaid loans under your name (if you can't pay it for a while, you can try your best to repay more, pay attention to repay on time, and avoid overdue).

After three months have passed, the situation of credit investigation and Ding Yi's quick check of big data has been improved, and the personal debt ratio.

After the decline has also decreased, it is not too late to borrow again, and the chances of success will be higher.

In fact, it is best to borrow according to actual needs, and do not borrow too much frequently, otherwise not only will the repayment pressure be great, but also affect the subsequent borrowing.

You can check in Xiaoqi Xincha to view your own online loan big data information. The database cooperates with more than 2,000 online lending platforms, and the data queried is very accurate and comprehensive.

Extended Information: Except for ant borrowing.

What else is there to borrow?

Ant borrowing is a borrowing service provided by Alipay, however, there are many ways to borrow money in addition to ant borrowing on the market:

1. Money to spend: Money to spend is purely online, no mortgage is required, and the ID card of the person is generally provided.

You can apply with a bank card, and you must be between the ages of 18 and 55. The maximum amount is 300,000 yuan, but college students cannot apply for loans when they have money to spend.

3. Jingdong gold bars: specially designed for Jingdong white bars.

Provide cash loan services, with a maximum amount of 200,000 yuan, Xiaobai has good credit, and it is easy to apply for 50,000 yuan.

4. Meituan. Living expenses: The threshold for borrowing money is very low, as long as you are at least 18 years old, have good credit, and are Meituan users, you can apply, with a maximum amount of 200,000 yuan and a daily interest rate of about %.

If you have borrowed a lot of borrowing software, it is recommended not to borrow again, because once it is overdue, when it is overdue for more than three months or the platform has not repaid the loan more than twice, the platform will list you as a prohibited customer (blacklist), and will also sue you for fraud and malicious overdraft, which will be enforced by the court.

Legal Analysis: Yes. However, online loans are risky and the interest rate is very high, so it is recommended to be cautious.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 680:Usurious lending is prohibited, and the interest rate on loans must not violate the relevant provisions of the State. If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

When applying for a loan, users will encounter loan products with different repayment methods, because the interest rate is often expressed in different ways, for example: daily interest rate of 10,000%.

Fifth, the monthly rate is 1%, etc., so it is difficult to compare several products which one is more economical. The price comparison artifact launched by Money Flower can help us solve this problem. Through comparison, we can intuitively understand the details of the interest fee of the comparison product and help us make decisions.

If you apply for a small loan of less than 50,000 yuan, you can log in to our mobile banking first, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface, or apply for a loan by credit card; Log in to Pocket Life and click on the "Card" below. Finance" - "Reserve Fund" - "Apply Now" can try to apply for a reserve here, subject to the review result.

It's just a scam software, and you can credit a credit card if you really lack money.

There is no such thing as a loan software that can repay the money you borrowed at any time. Basically, it is repaid regularly, otherwise the interest will rise very high.

The essence of online loans is actually small loans, but they are highly sought after by young people because of their low threshold (i.e., availability) and convenient use. In fact, it is not necessary to have an online loan record to be rejected by the bank, but the bank mainly rejects the current online loan outstanding or the recent frequent online loan application record.

Main information:

Of course, in addition to convenience, what motivates young people to use online loans is more important is their "advanced" or even "excessive" consumption concept.

Today's young generation Hao Huijing grew up with the Internet, basically without the experience of starvation and freezing of his parents, and the concept of saving is not as strong as his parents, but the desire to consume is far greater than that of his parents. However, due to the fact that they have just joined the workforce, their income is not high and they have no savings, borrowing money to spend has become the best choice for them to realize their desire to spend.

On the one hand, online lending can promote household consumption, which in turn can drive economic growth. On the one hand, traditional bank credit is out of reach for most people, and the emergence of online lending not only makes up for this shortcoming, but also promotes the transformation of the banking industry to inclusiveness and sharing.

On the one hand, online loan products have launched deposit products that are much higher than the market price, and obtained capital through high-interest savings, providing ordinary consumers with more financial management options. Finally, the emergence and development of the Bitong online loan industry has also provided a large number of jobs for the Quanyoushen society and absorbed a large number of employed people.