How long does it take for Xiaomi's financial audit?

20 19 Xiaomi loan application conditions: there may be these reasons for failure!

Xiaomi Loan under Xiaomi Finance has been well received by the majority of borrowers. Many rice noodles will think of Xiaomi loan as soon as they need money urgently. 20 19 Xiaomi loan application conditions have come out. Old friends in into the pit at the beginning can come and have a look.

I. Official information

Xiaomi loan is a pure credit loan, so the application conditions are very simple and no mortgage guarantee is needed;

You only need to complete the basic information authentication, and Xiaomi mainly evaluates the overall qualification, so the system will automatically judge and the results will be produced soon;

Apply for certification:

1. Binding bank card: enter the bank card number, name and ID card, and reserve a mobile phone to open an account. Remember that it is a bank card with no abnormal status under my name, which is used for repayment and withdrawal;

2. Smart ID card identification: Applying for Xiaomi loan requires face recognition and corresponding actions, such as turning your head, opening your mouth and glaring.

3. Manual identification: if the automatic identification is unsuccessful, it will automatically jump to manual identification, and you need to provide a self-portrait photo of your hand-held ID card, which will be reviewed within 1 working day after uploading;

The above is the basic personal authentication information, which is very simple. You can apply for a loan as long as you meet the age of 18. Conditional friends can try.

Second, user feedback.

Although the application for Xiaomi loan is simple, there are certain thresholds. Many borrowers don't know why they were rejected. I compiled some feedback from users, hoping to help everyone.

1. line lending failed. 20 19 Xiaomi is tightening the loan quota, so the daily quota is limited. You can try again another day.

2. Bank card restrictions. Xiaomi only supports some bank cards, and bank cards cannot be frozen, lost or expired.

3. Xiaomi Finance. You can download a Xiaomi Finance and try it from that entrance, and the success rate will be higher.

4. Insufficient credit. It may be a newly registered account and has never participated in Xiaomi system. You can try to find a Xiaomi account.

To sum up, the millet loan in 20 19 is still under payment, but the success rate is relatively low. Now the risk control is very strict, and many people drop seconds after submitting it. You can try to optimize the application materials.

How long will it take for Xiaomi loan to arrive?

The application for Xiaomi loan needs personal evaluation. If it is approved, it will be quick. According to the official introduction, it takes 1 minute to arrive at the account at the earliest, which is quite fast, but the specific arrival time is subject to the receipt of the notification message.

I. Conditions for applying for small loans:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Two. Microfinance processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Third, how to open a loan

If you meet the loan application conditions, open the Xiaomi loan app and confirm the authorization information, you can see the Xiaomi loan amount.

If the information does not meet the credit conditions, you can submit real-name authentication or open more services, and you will have the opportunity to obtain a loan line.

Real name authentication 1. Set the payment password.

In order to ensure the security of accounts and funds, you need to set the payment password before the loan. If you have already set the payment password in Xiaomi wallet, you don't need to reset it. Xiaomi Finance and Xiaomi Wallet have the same payment password.

2. Binding bank cards

When opening an account, you need to enter the reserved bank card number, name, ID card and mobile phone number. Use the bound bank card as the bank card for loan and repayment. Loans and repayments only support debit cards.

Supported banks include: China Construction Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Bank, China CITIC Bank, Industrial Bank, China Everbright Bank, Ping An Bank, Postal Bank, Shanghai Bank, Shanghai Pudong Development Bank and Bank of Beijing.

identify

1. Intelligent identification

According to the system prompt, aim the camera at the front face and make the actions prompted by the system, such as turning left and right, opening your mouth and blinking. The system will automatically identify the real identity.

2. Manual identification

Loan 1. apply for admission to a school

If you meet the loan application conditions and pass the identification, you can apply for a loan through the "I want a loan" button on the home page.

2. Loan amount

The system will give a certain credit line according to the comprehensive score. The minimum amount of a single loan is 100 yuan, and the maximum amount is the available amount shown on the home page.

Step 3 lend money

The loan will be issued to the selected bank card bound to Xiaomi Finance, and the estimated loan arrival time is within 10 minutes. Please refer to the bank transfer time for the specific time.

4. Loan inquiry

After the loan is successful, click the used amount to enter the loan history query page. You can query all loan lists and loan details on this page.

Operating environment: Xiaomi loan: 5.15.0.10000.000000000505

How long does it take for Xiaomi loan to apply for a loan?

How long will Xiaomi loan be reviewed? All the friends who have done this have made a payment on the same day!

At present, the business covered by Xiaomi has involved all aspects of life, including the hot online loan industry. Some friends want to apply for Xiaomi loan, so they come to ask Xi how long it will take Cai Jun to review Xiaomi loan. Here, Xi Cai Jun will introduce the relevant contents in detail.

According to Xi Cai Jun's information from netizens, Xiaomi's loan review speed is relatively fast, and friends who meet the loan conditions have the opportunity to complete the review and get the loan on the day of application. Therefore, you don't have to worry about the lending speed of Xiaomi loan.

Here, Xi Cai Jun introduces some points for attention, which will be beneficial to the smooth coastal country audit.

1. Before you submit your application, you must pay attention to your application materials and ensure that all materials are true and valid. In addition, Xiaomi loan is for artificial intelligence identification. Everyone should pay attention to the light when identifying information, and there should be no obstructions.

2. After you submit the loan application, Xiaomi Loan will send you a text message for secondary verification. Therefore, everyone must pay attention to receiving short messages and complete the second verification within the validity period of short messages.

3. Because Xiaomi loan can only be lent to the bank card bound by Xiaomi payment, everyone should ensure that this bank card can accept bank transfer normally.

4. If the audit result is delayed, you can call the customer service phone of Xiaomi Loan *. Working hours are Monday to Sunday from 9:00- 18:00.

Above, Xi Cai Jun introduced the audit time of Xiaomi loan. Generally speaking, the overall situation is good, and friends who meet the loan conditions can quickly pass the audit in Xiaomi loan.