Why do mobile phones often have loan information?

If the mobile phone often receives loan information, it is probably because:

1. If the user has taken out a loan on the loan platform before, even if the loan is settled, the The loan platform leaves personal information, and the loan platform may send text messages of loan invitations in order to gain new sources of performance;

2. If the user has never taken a loan, it may be that the user has entered before I have visited the official websites of some loan platforms and consulted for information. I am considered a potential customer, so the loan platform will also send text messages of loan invitations;

3. It may be that the user's personal information has been inadvertently leaked. After the loan platform obtains the user's information, it will send a loan invitation text message in order to expand its business; or the user's personal information has been stolen by others and used to borrow money;

4. The user's mobile phone number may have been changed. , the previous owner had a loan, and the mobile phone number reserved for the loan has not changed, resulting in the user's mobile phone number continuing to receive loan text messages.

What are the loan skills?

1. Evaluate your own conditions

The so-called knowing yourself and your enemy will always win the battle. If you want to get a successful loan, you must evaluate your own conditions. Have a general understanding of credit conditions.

You can start with your age, income, job, education, assets, etc., and then compare the conditions of the lending institutions, choose institutions and products that match your qualifications, and strive to get a one-time loan approval. .

2. The purpose of the loan must be clear

Personal loans can only be used for legitimate personal or family consumption and business turnover. They cannot be used for stocks, bonds, real estate, etc. that are expressly prohibited. investment projects.

If the purpose of the loan provided is unreasonable, the institution will not approve the loan, so we must clearly explain what the loan is used for, such as buying a car, doing business, etc., and we must Keep proof of consumption.

3. The loan term must be reasonable

Loan terms are divided into long-term, medium-term and short-term. The loan terms are different, the borrowing threshold is high or low, and the loan time is also fast or slow. It is best to choose an appropriate loan period based on the urgency of the funds and your ability to repay the loan.

4. Choosing the right lending institution

The main consideration is whether to borrow money from a bank or a financial company. Banks have lower thresholds, but the advantage is low interest rates. Borrowers with good qualifications can choose banks; financial companies have lower thresholds than banks, but interest rates are higher. Borrowers with average qualifications who have hit a wall in banks can try financial companies.

If you are not very clear about your qualifications and want to borrow money smoothly, you can find a formal intermediary company for help. They will analyze the pros and cons for the borrower and recommend more suitable loan channels.

5. Choose the appropriate loan amount

Many lending institutions first grant a credit limit and then allow the borrower to borrow money within the limit. This must be rational and based on You must choose based on your actual capital needs and loan period, and you must also consider your ability to repay the loan to eliminate the risk of overdue loans.

6. Properly package personal information

You can start from the aspects of unit information, personal income, etc. The unit information, such as the unit address and phone number, are fixed, and there are positions that can be packaged. For management positions such as department managers, it is easier to obtain loans than ordinary employees. In addition, the income should not just be written as annual salary. It is best to discount all the benefits and subsidies of the unit, plus the year-end bonus, which is enough.

7. Provide additional certification information

One includes financial certification information, such as cars, real estate, financial products, etc.; the other is third-party accounts, such as JD Finance and Alipay. Yes, when applying for loans from these platforms, those with high account levels and high scores can easily obtain higher loan amounts.

8. Apply for a credit card

You can usually get a credit card, and there is basically no problem with your personal qualifications and credit report. In addition, by using the card, you can also let the institution know. The cardholder’s spending power and repayment ability are both good reference factors for applying for a loan.