The loan and mobile phone number don't match.

Can I get a loan with my mobile phone number?

You can't apply for a loan just by your mobile phone number.

The general mobile phone number and address book are one aspect of the personal credit of the loan company, but it is impossible to apply for a loan only by mobile phone number. Lending institutions will only issue loans if they have ID cards, income certificates, employment certificates and other information.

Loan procedures:

1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor.

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for a loan.

(3) Correct the original unreasonable loans.

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates of the guarantor's consent to guarantee.

5] Project proposal and feasibility report.

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

: Uncover the secret about the mobile phone number of online loan.

1. Before applying for online loan, you must first verify whether the mobile phone number is real name and consistent with the applicant's name. If the ID card does not match the mobile phone number, the loan platform will suspect that you are suspected of fraudulent loans, and it is certain that 100% will reject your application.

Some friends will ask: if I don't want to return it, can I still find another mobile phone number? In the era of big data, if someone deliberately collects other information of users, do you think it is difficult to find you or your friends?

2. Before checking the application for mobile phone number, check the use time and consumption frequency of mobile phone number (making phone calls, etc.). ). Generally speaking, the newly opened mobile phone number cannot pass the loan review, and the mobile phone number of online loan is required to be used for more than 6 months, and it is frequently used and active.

3. Pay attention to verify whether the contacts in the address book have friends who are overdue and have bad credit. When applying for a large loan, we should also pay attention to whether those friends with poor qualifications are among the contacts. These may be the factors that ultimately refuse the loan. About friends, another thing to pay attention to is whether the emergency contact person you fill in really contacts frequently. If you fill in a close friend or family member, it will be a bad influence factor.

4. Regarding the address book, the most important thing is of course to check whether there are collection contact numbers of other small loan platforms and financial institutions. If there is or is in the call record, it is basically impossible to pay successfully.

5. On the repayment date, you haven't repaid the money, and you have called you many times to ask for money, but you ignored it. At this time, the online lending platform has already felt that you borrowed money and didn't pay it back, so it will grab all your address book contacts and bombard your address book one by one. You have to repay under pressure.

6. When you made a phone call on the Internet some time ago, there was a special black technology system that could locate your community. It sounds terrible. I feel like I'm living under a monitor. However, this statement has not been confirmed at present, and there is generally no door-to-door collection on online lending platforms.

Why does the mobile phone number affect the loan?

The application threshold for online lending is relatively low, and many people will borrow it if they lack money. Many online lending platforms need to provide the applicant's own mobile phone number and need to be treated with caution. To know that the mobile phone number will affect the loan, then why does the mobile phone number affect the loan?

1, non-real-name registration mobile phone number: Although operators now need to provide ID cards to get a mobile phone number, some people still apply for loans without the real-name registration number or someone else's real-name registration number. This situation will be considered as providing false information to defraud the loan and being refused the loan.

2. Short service time of mobile phone number: Most online lending platforms require that the service time of real-name registration system mobile phone number submitted by lenders must be at least 6 months, so friends who frequently change their mobile phone numbers should pay attention, which may be considered unstable. Some online lending platforms may guess the motives of frequently changing numbers, such as avoiding debts, and may be refused loans.

3. Forged address book: Some online lending platforms have strict risk control and will cross-verify the borrower's local address book by grabbing the phone bill. If the lender provides a phone number that is not often contacted, or forges a contact number, it is also found that there is also a risk of refusing to lend.

4. There are sensitive calls in the call record: there are some collection calls in the call record, or there are sensitive words such as loans and intermediaries in the address book. Even if your qualifications are good, you may be refused a loan. So before the loan, it is best to optimize the phone call records and contacts.

The above is the introduction of why the mobile phone number will affect the loan. If in doubt, please consult the relevant institutions.

What is the impact of changing the mobile phone number on the loan? There are mainly these aspects!

With the advent of the Internet era, smart phones have become an indispensable part of people, and most services can be realized through mobile phones. For example, to apply for a loan, you can submit the application directly on your mobile phone. What is the impact of changing the mobile phone number on the loan? Let's briefly introduce it today.

1, announcement push

Many financial institutions can only contact borrowers through mobile phones, so some important announcements can only be notified by SMS or telephone. Once you change your mobile phone number, you may miss some announcements if you don't modify the information in time.

2. Bank card

When applying for a loan, you need an ID card, a bank card and a mobile phone number for opening an account. Once the mobile phone number is changed, you should go to the bank to modify the mobile phone number in time to avoid the invalidation of the bank card bound by the loan.

Step 3 modify the information

Many people think that since the loan has arrived, it doesn't matter if you change your mobile phone number. I suggest that online loans change information online, and offline loans carry identity information for change procedures.

4. Collectibles

Once loans overdue fails to repay the loan, the institution will contact the borrower through the mobile phone number. If you change your mobile phone number and the organization can't find him, you may contact your family and friends through the address book. Therefore, in order to avoid the harassment of relatives and friends, it is recommended to repay in time and modify the mobile phone number.

5. The loan was refused.

Many lending institutions require mobile phone number authentication for at least 6 months, so it is not recommended to change your mobile phone number frequently, which may make lending institutions feel that your contact information is unstable and may be rejected.

In short, if you really need to change your mobile phone number, you must do a good job of modifying the information to avoid unnecessary trouble.

Can I get a loan with my mobile phone number?

It is impossible to get a loan only by relying on the mobile phone number, but it is essential when applying for a loan. No matter what kind of loan you apply for, you must submit valid personal information and mobile phone number, which will be reviewed when you apply for a loan. Only when the borrower is audited can the loan be obtained.

At present, many online lending platforms require borrowers to submit personal real-name authentication mobile phone numbers when handling loans. Individual platforms also stipulate the service life of the mobile phone number, and you can apply for a loan only after it is met. However, when borrowing from online lending platforms, it is best to compare loans from different platforms.

It is best for borrowers to measure their repayment ability when handling loans, and determine the personal loan amount according to their repayment ability, so that there will be no overdue repayment after borrowing. After the online lending platform loans overdue, the platform will collect money, and individual platforms will also explode the address book.

The loan amount of online loans is not very high, so there is no need to pay it back on the repayment date. Even if it is difficult to repay, you can call the online loan platform and ask if you can postpone the repayment. In real life, many platforms will agree. If the online lending platform does not promise to postpone repayment, you can borrow money from friends to repay.

Mobile phone number can also be borrowed: how to borrow mobile phone number?

The types of loans are becoming more and more diversified with people's needs, such as mortgage loans with housing as collateral, credit loans with self-credit as guarantee, loans with provident fund and social security as guarantee, etc. And now some people use their mobile phone numbers to apply for loans. Basically, all mobile phone numbers have been authenticated by real names, and the mobile phone numbers are bound to our personal identity information, so it is reasonable for the mobile phone numbers to apply for loans. So, how is the mobile phone number lent out?

China Mobile officially launched the "Mobile Loan app", and the entry condition for applying for a loan is that users with real names have been mobile for more than 6 months. Loan amount 100-200,000 yuan; Those less than 50,000 yuan can be handled directly on the app line, requiring personal ID card, name, mobile phone number and a savings card. But a large loan needs my signature.

To apply for a mobile phone loan in a bank, you need to prepare materials:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

3. Provide proof of stable income source: bank flow sheet, labor contract, etc.

4. Other information stipulated by the bank.

Note: you must also bring your mobile phone number, which must be a real-name registration system.

Can I get a loan with my mobile phone number?

You can't apply for a loan simply by relying on your mobile phone number. Other materials are required to apply for bank loans. If you make a loan on the online lending platform, at least you need to submit personal valid identity information. Most of the platforms that can borrow money simply through the mobile phone number are informal platforms, so be careful not to be fooled.

To apply for a loan in a bank, the borrower needs to be at least 18 years old, have a stable job and be able to repay the loan on time. The borrower also needs to submit the bank flow in the last 6 months, and the personal credit information is good; The above points are the basic conditions for handling all kinds of loans, and finally submit other conditions stipulated by the bank.

The general process of bank loans:

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2. After receiving the application form at the counter and filling it out, submit the form together with the materials. When the bank accepts it, it will review it according to the information provided by the customer.

As soon as the audit result comes out, the bank will inform the customer. If approved, the loan amount will be approved.

4. Customers who have received the notice of approval shall sign the loan contract at the outlet within the agreed time and go through the relevant formalities (such as mortgage loan needs to be registered as collateral).

5. Banks issue loan funds.

When borrowers borrow money on online lending platforms, it is best to compare different platforms, so that they can understand the loan amount and interest rate, and then choose the most cost-effective one. When borrowing money, users should think about the repayment plan in advance to prevent the later repayment from being delayed.

Users can't repay on time after borrowing through online lending platform, which will result in penalty interest. If they don't repay for a long time, it will also affect the borrower's credit information. At present, most online lending platforms have access to credit information. The overdue records of the online lending platform will also be uploaded to the credit information center, which will have a negative impact on personal credit information, and it will be more difficult to apply for loans again in the future.

This concludes the introduction of the inconsistency between the loan and the mobile phone number and the inconsistency between the loan and the mobile phone number. I wonder if you found the information you need from it?