1. platform reason: some platforms are not very strong. For example, many small platforms can still operate this year, and there is no extra money to lend, or the loan platform has been transformed and no longer lends. According to institutional statistics, the number of online lending platforms has dropped sharply from more than 6,000 in its heyday to 29, so it is necessary to know the current situation of online lending platforms before borrowing money.
2. Policy reasons: In order to strengthen the management norms of online lending platforms, the CBRC issued the Measures for the Management of peer-to-peer lending Platforms, which limited the maximum amount of single-family consumer loans to 200,000 yuan, severely cracking down on some illegal online lending platforms. Many platforms are afraid to lend, or only put a limited amount every day, and they will be gone after grabbing it.
3. Reasons of the Borrower:
In case of overdue, if you use a loan or credit card with credit information, you will not repay it on time, which will affect your credit. For example, loans overdue, no matter which credit platform it borrows from, will not grant credit, so it is best to check the credit before borrowing.
If the repayment ability is insufficient, comprehensively evaluate the loan platform's quota according to the credit and repayment ability. Credit can pass, but the repayment ability is not good, such as low income and high debt, which means that the borrower is at great risk of overdue, and he is afraid that he will not give the loan.
Whether handling loans in banks or borrowing on online lending platforms, lending institutions will review and evaluate the loan materials submitted by borrowers and the personal credit of borrowers. According to the evaluation results, it belongs to a certain range of borrowers' loan quotas, so the better the general personal qualifications, the better the credit and the higher the loan quota. If you want to provide a loan amount, you need to improve your personal conditions from these two aspects. The following ways will help to increase the loan amount:
1. When filling in the loan application materials, fill in personal information, especially work information. It is best to provide some financial proof materials, such as bank deposits, financial assets, vehicles under personal names, real estate, etc. The better the personal financial situation, the better the exit;
2. Apply for mortgage or secured loan. If the loan amount applied by individuals is low, they can use their own assets as collateral to apply for mortgage loans. In addition, you can find a unit or individual with strong repayment ability to guarantee for you, thus providing a loan amount;
3. If there are many loans or credit card bills in the borrower's name that have not been paid off, too high debt will also affect the loan amount, so if you want to apply for a loan with a higher amount, you can repay part of the debt first to reduce your debt;
4. Improve personal credit information. Good personal credit status is a necessary condition for handling loans, so everyone must pay attention to maintaining a good credit record at ordinary times. Except for overdue behavior, don't apply for loans frequently to avoid wasting personal credit information. For borrowers with bad credit, credit information can be improved slowly with credit cards, which will help to increase the loan amount after a period of time.