The reasons for Xiao 'an's credit audit failure are as follows:
1, where to borrow money, you need to be qualified: the borrower must have sufficient repayment ability and willingness.
For mortgage loans, the application conditions of major platforms are similar. Take multi-loan as an example, borrowers need to carry information; Identity card (enterprises need three certificates), bank account number, mobile phone list, address certificate, credit report and work contract. Eligible borrowers can apply for a loan of up to 500,000 yuan.
Among them, the borrower must have a fixed job and income source. Generally speaking, the P2P platform requires the borrower to work in the current unit for more than 6 months, thus ensuring the borrower's stable repayment ability. At the same time, borrowers should also pay attention to maintaining their credit records. If there are many overdue records of credit cards or mortgage and car loans, it is very unfavorable.
Although the application procedure is not as complicated as that of the bank, the materials should be carefully prepared.
The biggest convenience of applying for a loan through P2P platform is that you can submit information online and upload photos with your mobile phone, instead of waiting in line with a bunch of originals when traditional financial institutions apply for a loan. Different P2P platforms have different requirements for application materials. Borrowers are advised to know the requirements of each platform in detail before making a choice, and then submit an application after preparing the corresponding materials, so as to avoid being refused a loan due to insufficient preparation of materials.
3. The borrowing cost is not only the loan interest.
Generally speaking, the loan period provided by P2P platform is 3 months, 6 months, 12 months, 18 months, 24 months and 36 months. The longer the loan term, the higher the interest rate. However, in addition to repaying the principal and interest on time, borrowers also need to pay service fees, recharge fees, withdrawal fees and other fees according to the regulations of different P2P platforms, so borrowers should pay attention to these miscellaneous fees when calculating the borrowing cost.