Shuxin e loan has a limit and cannot be lent out.

If the loan platform clearly has a quota, but can't lend it, it is probably due to the following reasons: the customer's credit has recently gone wrong, for example, the personal credit has been damaged due to the previous repayment in loans overdue, and the big data record has overdue bad information, so the platform is worried that the lending risk is greater. Recently, many loan products have been applied frequently, resulting in long loan time, big data becoming "flower" and too many loan records. The platform is worried about customers' unstable economic life and insufficient repayment ability. It is possible that the number of loans made by customers at the same time on the platform has exceeded the prescribed limit (many loan products have a limit on the number of loans, for example, ants stipulate that customers can only borrow 50 loans at the same time, and if they can't borrow any more, they must repay the previous loans before they are allowed to borrow again).

The platform or lending institution is short of funds, and there are too many people queuing for loans, so it is temporarily impossible to provide loans. The background system has failed, it is being repaired and upgraded, and the loan channel is temporarily closed.

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

2. Repay part of the loan in advance: When the borrower applies to the bank, it can repay part of the loan in advance, which is generally an integer multiple of 1 000 or 1 000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged. The new repayment period cannot exceed the original loan period, which means that the borrower can repay all the loans in advance when applying to the bank. Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.