Buying ducks is not approved by stages.

Buying ducks is not approved by stages.

Buying ducks by stages fails to pass the examination, that is, it does not meet the application conditions. The installment loan system for buying ducks will go through multiple audits. Under normal circumstances, there are two steps: one is auditing, and the other is lending.

Audit: it is to audit the user's personal information, work, income, stability, assets, personal credit information and so on. The audit failed to pass the recommendation check for the following reasons:

(1) Credit problem. You can check whether there are "black spots" in personal credit information. There are two ways to inquire, one is to go to the local people's bank or a bank authorized by the people's bank; The other is online inquiry, where the browser searches for "Credit Information Center of China People's Bank" and operates the inquiry according to the process. Overdue repayment will bring "black spots" to personal credit information. Problems with personal credit information will not only affect loans, but also have a serious impact on daily life, such as restricting high consumption and travel modes (no flying or high-speed rail).

(2) Income source and stability. Whether there is frequent job-hopping in the near future and there is no stable source of work and income, the general system will detect the bank flow and make a risk assessment according to the bank flow. Failure to pass the risk assessment will also lead to audit failure. The income is very low, so it's hard.

(3) Assets and liabilities. Whether the assets are mortgaged, and whether the personal solvency can cover the existing loans and loans to be approved. If the personal debt ratio is too high, the system will still judge it as a high-risk user, which will lead to the failure of the audit.

The lending platform will be risky, and you should do what you can according to your own ability. If you really need money, you should also give priority to formal bank loans and choose a larger platform, such as the loan in Huabai and Alipay. Be careful not to blindly accept, identify the authenticity of the lending platform, and avoid being deceived.

What will be the impact of overdue?

Affect personal credit information, be included in the blacklist of credit information; Be collected; If you are seriously prosecuted, you will even go to jail.