The mobile phone has been receiving the loan verification code. What happened?

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

1. If the user has borrowed money from the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message for new sources of performance;

2. If the user has never made a loan, it may be official website, who has entered some loan platforms before and consulted information, and is considered as a potential customer, so the loan platform will also send a loan invitation message;

3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation SMS to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money;

4. It may be that the user's mobile phone number has been changed, the former owner has a loan, and the reserved mobile phone number of the loan has not been changed, resulting in the user's mobile phone number continuing to receive loan text messages.

What are the skills of loan?

1. Evaluate your own conditions.

The so-called know yourself and know yourself. If you want a successful loan, you must have a general understanding of your credit status.

Specifically, we can start with age, income, work, education, assets and so on. And then compare the conditions of lending institutions, choose institutions and products that match our own qualifications, and strive for a one-time loan.

2. The purpose of the loan should be clear.

Personal loans can only be used for legitimate consumption and business turnover of individuals or families, and cannot be used for investment projects such as stocks, bonds and real estate that are explicitly prohibited.

If the loan provided is not used reasonably, the institution will not approve the loan, so it is necessary to find out what the loan is used for, such as buying a car or doing business, and keep the consumption certificate after the loan.

3. The loan term should be reasonable.

There are long-term, medium-term and short-term loan terms. The loan threshold is high or low, and the lending time is fast or slow. It is best to choose the appropriate loan term according to the urgency of funds and your repayment ability.

4. Choose the right lending institution.

Mainly consider going to a bank for a loan or a finance company for a loan. The bank threshold is low, but the advantage lies in the low interest rate, and qualified borrowers can choose banks; The threshold of financial companies is lower than that of banks, but the interest rate is higher. Borrowers with average qualifications run into a wall in the bank, so they can try a finance company.

If you don't know your qualifications and want to get a smooth loan, you can find a formal intermediary company to help you. They will analyze the advantages and disadvantages of borrowers and recommend more suitable loan channels.

5. Choose the appropriate loan amount.

Many lending institutions give credit lines first, and then let borrowers borrow within the line. They must be rational, choose according to their actual capital needs and loan term, consider their repayment ability, and eliminate overdue risks.

6. Proper packaging of personal data

You can start with unit information and personal income. Company information, such as company address and telephone number, is fixed. If there are positions that can be packaged, it is easier to get loans than ordinary employees if they write management positions such as department managers. In addition, it is better to discount the various benefits and subsidies of the unit, plus the year-end bonus, which is enough.

7. Provide additional supporting information.

One is to include financial proof materials, such as automobile production, real estate, wealth management products, etc. ; One is a third-party account, such as Jingdong Finance and Alipay. If you apply for a loan from these platforms, the account level is high and the score is high, so it is easy to obtain a higher loan amount.

8. Apply for a credit card

You can usually apply for a credit card, and there is basically no problem with personal qualifications and credit information. In addition, by using the card, the institution can know the cardholder's spending power and repayment ability, which is a good reference factor for applying for a loan.