360 IOUs failed to pass the examination. What happened? Can I borrow it after repayment? brief introduction

Can I borrow all the 360 IOUs after I have paid them back?

360 IOUs can be repaid in advance and then borrowed.

You can apply for a loan again as long as you pass the systematic review and evaluation.

However, the loan platform actually does not want borrowers to repay in advance, and 360 IOUs are no exception. If you always choose to prepay on the 360 IOUs, it is likely to affect the system's evaluation of your qualifications, resulting in your loan application not being passed. Many users with low evaluation tend to repay in advance, so when applying for a loan again, the system prompts that the comprehensive evaluation failed and they cannot apply for a loan.

Article 673 of the Civil Code of People's Republic of China (PRC) stipulates that if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Relying on the advanced Internet security technology and big data technology of 360 Group, 360 IOUs are committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all social groups with financing needs based on massive user credit data and behavior data.

360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.

The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.

The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team.

360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations.

As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.

360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. The face shooting and comparison process can be completed in 5 seconds without any complicated operation by the customer, and the real identity of the customer can be locked by combining the background face scoring application and other credit reporting methods, which can bring more efficient experience to the customer.

At the same time, 360 IOUs have established strategic cooperative relations with a number of licensed financial institutions.

As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in China. On this basis, a number of senior personnel who have been deeply involved in the financial industry for many years have been introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat.

Why did 360 IOUs fail the comprehensive evaluation? What should I do?

360 IOU is a micro-credit loan product under 360 Finance, which can provide users with a loan of1-200,000 yuan. After borrowing, you can also choose two repayment methods: installment repayment and loan repayment. However, if you want to borrow money from 360 IOUs, you need to pass a systematic comprehensive evaluation before you can lend money. Then, why didn't the comprehensive evaluation of 360 IOUs pass? What if I fail?

Reasons for the failure of comprehensive evaluation

It is understood that after 360 IOUs are successfully registered and all certifications are completed, 360 IOUs will give users an initial credit line, but this is not a loan commitment. Users can apply for loans at any time when the available credit line is ≥500 yuan and the account status is normal. However, each loan application system will comprehensively evaluate the latest comprehensive qualifications of customers at that time, and the final audit result will be subject to the SMS prompt. When users apply for 360 IOUs, some will prompt that the comprehensive evaluation failed and they cannot apply for loans temporarily. What is the reason? There are many reasons for the failure of comprehensive evaluation, which may be the following reasons.

1, ID number is wrong.

To borrow money from 360, a formal loan contract needs to be established. If the ID number is filled incorrectly, the system will make an error when verifying the identity information.

2. Unable to verify contact information.

In order to ensure the account security of Shenren, it is necessary to add a common contact as an emergency security contact during the application process. If the number cannot be dialed when verifying the contact, the authentication may fail.

3. Facial recognition authentication failed.

In face authentication, because the borrower fails to complete the corresponding action according to the voice prompt, or the light is insufficient and there are accessories and other items, the face will be invalid.

4. Error in binding bank card.

Due to the current bank restrictions, the second-class accounts with loans exceeding 1 000 cannot get loans, and the third-class accounts with loans exceeding 1 000 cannot get loans. At present, only 15 banks can apply for loans, namely Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of Communications, Postal Savings Bank, China Everbright Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.

What if the comprehensive evaluation is unqualified?

The above reasons come from the application conditions of 360 IOUs, because the failure of comprehensive evaluation means that it does not meet the loan conditions, which means that there are problems in the above aspects. Don't be discouraged if you don't pass the first review. Just apply later. However, in the meantime, it is recommended to do the following work:

1. Bind the credit card to Alipay and WeChat, use Alipay and WeChat for online and offline consumption as much as possible, and repay on time.

2. Increase the flow of your bank account and make your flow look impressive.

3. Computers and mobile phones use 360 series products, so you can buy 360 wealth management products appropriately.

The comprehensive evaluation of 360 IOUs is a comprehensive evaluation made from the aspects of users' credit information, income and electronic payment. Any one of these dimensions is not up to standard, which may lead to evaluation failure. Suggest 1-2 months later.

What should I do if I fail the comprehensive evaluation and can't borrow money?

1 and 360 IOUs are unqualified in comprehensive evaluation, which may be due to excessive personal debt. You can pay off the loans of other platforms as soon as possible and reduce the personal debt ratio;

2. Be sure to improve your personal information when you apply again;

3. Increase the bank flow and let 360 IOUs think that you have enough repayment ability.

Don't worry too much when the comprehensive evaluation of 360 IOUs fails. Find out the reasons for the failure of evaluation and solve the problem from the source.

Extended data:

(1) Reasons for unqualified comprehensive evaluation of 360 IOUs:

1. The loan does not meet the lending conditions: for example, the loan amount is too large, the loan term is too long, and the borrower has a record of early repayment. None of them meet the lending conditions of 360.

2. There are overdue records in the credit report: 360 You need to be authorized to inquire about the personal credit report when applying for the loan. If there are bad credit records in the borrower's credit report, such as loans overdue, overdue credit card, etc., then 360 IOUs think it is risky to lend money to customers.

3. There is a limit on the amount of bank card binding: if the bank card lending exceeds 1 000 for the second-class account, it will make an error, and if the bank card lending exceeds 1 000 for the third-class account, it will make an error. Therefore, after the system reviews the bank card, it will give an evaluation that the comprehensive evaluation failed.

4. Failure to fill in the loan information truthfully: In addition to personal basic information, contact information should be filled in when applying for a loan. If the borrower's information is found to be wrong or the authenticity of the information cannot be verified during the audit, then the borrower will not pass the system evaluation.

(2) When applying for 360 IOUs, it is best not to apply too frequently. It's best to wait 2-3 months before applying for a second time. During the waiting period, everyone tries to do three things well:

1, pay attention to protecting personal credit.

360 IOUs is a platform that pays great attention to the personal credit of borrowers. Therefore, if you want to pass the examination in the next application, you should protect your personal credit as much as possible during the waiting period, and don't cover up the overdue credit card in any financial institution in loans overdue. In addition, it is necessary to pay attention to the timely payment of utilities, gas, heating, taxes and fees.

2. Maintain a stable income.

Whether you are an office worker, a freelancer or a business owner, you should pay attention to keeping your income stable. Only a stable income can be recognized as having sufficient repayment ability by 360 IOUs. Therefore, don't choose to jump ship easily. In addition, if you have the opportunity to increase your income, take an active part.

3. Control liabilities

In order to pass the evaluation smoothly next time, everyone should pay attention to controlling their debts. In addition, you can apply for 360 IOUs after part of the arrears expire.

The 360 loan was paid off in advance. Can't I borrow it?

360 loan paid off in advance. If there is a loan amount on the page, the user can borrow again. If there is no loan quota on the page, users cannot apply for a loan. Whether there is a limit on the loan page of 360 IOUs depends on the display results of the page. The user's previous loan has been repaid on time, and the personal credit qualification has not changed much. Generally speaking, you can borrow it after paying it off in advance.

Users who apply for 360 IOUs again still need to pass the system audit, and the results of each audit are given in real time according to the credit qualification of the users at the time of application.