Why can't I get a good loan with a quota?

China Merchants Bank can't lend a good term loan on weekends.

The comprehensive score is not enough when borrowing money.

Obtaining the credit line of Zhilian Good Loan and applying for a loan after the credit line arrives are two independent links, both of which need to be systematically and comprehensively evaluated. Therefore, having a credit line does not mean that you can definitely borrow money. If the comprehensive score is insufficient when borrowing, then you still can't lend money, and labor can't intervene. Only the loan page shall prevail.

2. The loan amount of the day is limited.

There is a limit to the loan amount of a loan service institution in a day, just like a large cash withdrawal or a large transfer by a bank, and it cannot exceed the maximum amount of that day. If the loan funds provided on the same day are used up, or the lending institutions are short of funds, there may be a situation that the quota cannot be lent temporarily, and the page will also have corresponding prompts.

3. Internal causes of the system

For example, the system of the platform system or the system of the service organization that recruits good loans needs to be maintained and upgraded. During this period, the user's credit line may be temporarily frozen and it is impossible to borrow money. If a loan application has been submitted, the time for approval and lending may be extended accordingly. In this case, the loan can only be re-operated after the system upgrade returns to normal.

Second, what are the specific aspects of the lack of comprehensive score of good-term loans?

Find out the specific aspects of insufficient scores, we can suit the remedy to the case, carry out appropriate remedies and salvage, and maybe we can borrow money in the next comprehensive evaluation of the system.

1. is currently overdue.

It not only refers to overdue loans of Zhaolian, but also includes overdue loans of other platforms. Through credit inquiry, the system can know in time. This overdue behavior is a very serious manifestation of bad credit and insufficient repayment ability. In order to stop the loss in time, Zhaolian's term loan system actively freezes the remaining quota, so that users cannot borrow the quota.

Solution: Pay off overdue debts as soon as possible, and control the adverse effects caused by overdue to a minimum, so that the system may restore the loan qualification of users in view of some good performance in the past.

2. overdue for many times.

As explained by the customer service of Zhaohao Loan, if the user is often overdue in the process of using Zhaohao Loan, the credit line may be cancelled or reduced by the system's irregular comprehensive evaluation, so the credit line cannot be lent and frozen, which is most likely the evaluation result after multiple overdue accumulations.

Solution: Good credit needs to be accumulated for a long time to ensure that it will not be overdue in the future. Over time, these overdue records either disappear or account for a very small proportion, and they can borrow normally after they have no negative impact on credit.

3. Too many accumulated debts.

If more than 0/0 credit cards have been opened, the utilization rate of credit line exceeds 80%; More loan account 10, less remaining amount, etc. These are all manifestations of too much debt. Although there is no overdue for the time being, it does not rule out the risk of overdue. Therefore, the system decided to suspend the loan use of the good loan line first, so that it could not lend the line.

Solution: Only by controlling your own loan application and credit card use behavior, paying off the debts that can be paid off as much as possible, alleviating the appearance of economic tension and reducing the debt ratio, will it be conducive to the recovery of good-term loan qualifications.

4. Illegal use of funds

Zhaolian good loans can only be used for general consumption purposes, such as daily shopping, tourism, education, medical beauty and so on. , and can not be used for housing, various investments and purposes prohibited by laws and regulations. Therefore, if the good long-term loan is suspected of illegal use in the previous use, it is likely to freeze the current remaining quota, and may even require the borrower to return all the loan items at one time.

Solution: Stop illegal use of funds, take the initiative to return the funds issued by the loan in advance, and dispel the doubts and concerns of the system. After a few months, the normal loan operation may be resumed.

The above is about "why can't I borrow a good loan when I have a quota?" I hope I can help you.

Why can't Zhaolian Finance borrow a bank?

The reasons why Zhaolian Finance can't borrow the quota may be:

1, controlled by wind. If your friend has serious overdue or credit deterioration, it may be detected by the big data risk control system, which will affect your application for a loan.

2. The borrower fails to repay the loan within the time limit. If the borrower has a loans overdue recently, he may not pass the loan review and cannot borrow money.

3. High debt. If you are heavily in debt recently and the platform is worried that you can't repay on time, you may not be allowed to borrow it.

For more information about why Zhaolian Finance can't borrow the quota, please visit: See More.

There is a limit to the loan with a good term. Why can't I lend it out?

The amount of long-term loans is evaluated according to personal credit information. If you can't borrow it, there are several reasons:

1. The applicant has many loans on other platforms.

Although Zhaolian Good Term Loan is an online lending platform, China Merchants Bank is behind Zhaolian Good Term Loan. They have channels to know whether the applicant has loans on other platforms. If multiple platforms have loan application information, there will be a risk assessment at the time of approval. Even if there are places, you will fail the exam and will not be lent when you actually apply. In particular, users who have applied for lending treasures, JD.COM gold bars, micro loans, etc. cannot borrow them.

2. Applicant loans overdue.

There are overdue users on other platforms, so they can't borrow them. In recent years, due to the epidemic, all walks of life are very difficult. Many people have poor capital turnover and rely on online loans to do it. As a result, the funds could not keep up, and they were all overdue. After the deadline, they want to borrow money from other platforms to fill the pit in front, and the results are more and more, and they are slowly overdue.

For products supported by China Merchants Bank, such as Zhaolian Good Term Loan, you can see the credit information. Therefore, when they approve loans, they will also approve them according to this aspect. If the credit information shows that other platforms are overdue, even if there is a quota, it is impossible to lend.

3. The applicant has more comprehensive responsibilities.

Another situation is that the applicant has a lot of comprehensive liabilities, including credit cards, mortgages, car loans and so on. If the monthly loan does not match his income, then there is a quota on the platform and the platform will not approve it.

For example, your monthly mortgage payment is 3,000 yuan, your monthly car loan payment is 2,300 yuan, your minimum credit card payment is 4,000 yuan, and your monthly salary is just 9,000 yuan, or even less than 9,000 yuan, then the platform will judge that your repayment ability is insufficient and will not give you the next payment.

Generally speaking, there are many reasons why the money on the platform cannot be borrowed. In the final analysis, there is something wrong with your own credit information, and there is no other reason.