Mobile phone loans include China Post Wallet, WeChat Card Loan, Jiufu Dingdang Loan, American Loan, Gitzo and so on.
1. China Post Wallet is a loan platform under the Postal Savings Bank, which can provide you with three loan modes: mail you flowers, mail you loans and mail you purchases, with a maximum amount of 200,000 yuan;
2. WeChat card loan is a loan platform for repaying credit cards. The mobile loan software can provide loans of 1000-50000 yuan for everyone, and the rate decreases with the credit, adopting the mode of automatic audit of the whole bank.
3. Jiufu Dingdang Loan can provide you with a large installment of no more than 654.38+10,000 yuan and a small loan of no more than 5,000 yuan.
4. American Loan is a mobile phone loan software owned by Gome Finance, which can provide loans of no more than 65,438 yuan +0.5 million yuan, with a service life of 3 months to 36 months and a monthly fee as low as 0.88%.
Gitzo can provide you with a loan of 2000-50000 yuan, with a service life of 6-48 periods.
What is a mobile phone loan?
Mobile phone loan is a full-process network credit application based on mobile internet in China, and it is a mobile innovation of traditional personal credit business. It is developed and operated by Shanghai Qianlong Financial Information Service Co., Ltd., which advocates new financial life, and is headquartered in Shanghai.
brief introduction
Mobile phone loan Mobile phone loan was launched by Shanghai Qianlong Financial Information Service Co., Ltd. on September 20 13. Quickly and accurately evaluate and review individual customers with micro-loan needs, provide qualified individual loan customers and big data risk control support for licensed financial institutions, and strive to build a smooth loan information bridge to become an accelerator for China inclusive finance.
Name: Mobile Phone Loan (Loan Edition)
Update: 2016165438+1October 22nd.
Version: V5.5.2
Developer: Shanghai Qianlong Financial Information Service Co., Ltd.
Yu Liang founder CEO
Mobile phone loan
Shanghai youth entrepreneurship guidance expert, YBC "China Youth International Entrepreneurship Program" tutor, MBA of Shanghai Jiaotong University. Pioneer of domestic credit card industry, ten years of working experience in commercial banks, devoted to innovation and risk control of personal consumption credit. 20 13 introduced overseas PaydayLoan "payday loan" mode, developed the first mobile-based micro-loan application platform in China, and established Shanghai Qianlong Financial Information Service Co., Ltd..
Wang co-founder CTO
Mobile phone loan
I graduated from Harbin Institute of Technology in 2006 with a master's degree in signal and information processing, and was one of the earliest professionals who came into contact with corporate social platforms in China. 20 12 set up the "I love card" mobile platform for credit card housekeeper, responsible for managing product technology development. 20 13 jointly established a mobile phone loan, which is responsible for the overall management of product optimization design, risk control model development, operation and promotion.
Excuse me, what are the application conditions for mobile phone loans?
First of all, answer directly.
Mobile phone loans have a minimum age limit and a maximum age limit.
Second, the specific analysis
The minimum age is not 18 years old, and most mobile phone loans require 22 years old; The maximum age limit is generally 55 years old, and most borrowers in this age group have retired. Even if they have a monthly pension, many of them are still not as good as their income at work.
For this reason, borrowers should check whether their age is 2255 before borrowing. If he is too young or too old, he should not apply for a mobile phone loan, because even the basic entry threshold has not been reached, let alone want to borrow money.
However, it doesn't mean that you can get a loan when you are old. After all, the application conditions for mobile phone loans are far more than age.
There are the following problems.
1. Borrower's identity: except for an adult with full civil capacity, he cannot be a student at school.
2. Borrower's credit: seven or eight out of ten mobile phone loans have credit channels. After receiving the borrower's application, the borrower's credit report will be checked during the audit process, with the purpose of understanding the borrower's credit status and seeing if there are any bad records such as overdue and bad debts. If the credit information is not good, this kind of borrower is very risky and it is difficult to recover the lent money.
3. The borrower's repayment ability: First, it is necessary to confirm that the borrower has a stable source of income. For example, office workers generally have wages; Secondly, it is necessary to confirm the borrower's debt situation. Debt depends on the proportion of income. Usually more than 50% means that the debt is too high and the repayment ability will be relatively weak.
In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. How old can I get a loan?
Different loan products have different application age ranges.
But generally no more than 65 years old. For example, if you have money to spend on a platform loan, you need to apply for a loan between the ages of 18 and 55, and so does Easy Spend. Stage music is designated as 18-30 years old young people.
Also, Suning's willful loan requirement is between the ages of 22 and 55 (inclusive).
If you want to know the specific age when you apply for a loan, you can call customer service before applying, or go to official website to find out the situation.
Of course, after reaching the age limit, you must ensure that you have good credit, a stable source of income and the ability to repay the principal and interest of the loan on time. Otherwise, if your credit is not good, even if you reach the age limit, you will not be able to successfully borrow money.
As for those who have not reached the required age, they can only give up the loan and then find other suitable loan applications.
How to get a loan on a mobile phone?
If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).
Basic conditions for lightning loan application:
1, with China Merchants Bank card;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit.
Tips:
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.