As we all know, everyone must provide their mobile phone number when applying for a loan, even online loans are no exception. Some friends have new mobile phone numbers, but they also want to apply for online loans. So, is there a platform for novice mobile phones to borrow money? Generally speaking, the service life of the mobile phone number is still required. Here are some good platforms.
1, borrowed by ants
Ant lending is a platform with low application threshold. As long as it is not serious credit, you can basically try it. The platform adopts the mode of full-process computer audit, with a quota of several thousand yuan, which can be used indefinitely. It belongs to the lending platform, and you can apply for sesame seeds with a score of more than 560.
2. Easy electronic payment
E-Payment is an online loan platform for consumer finance in Yin Bei. /kloc-above 0/8 years old, with normal income, you can apply. Second-generation ID card, mobile phone number registered in real-name registration system, bank card and other application materials are required.
3. Short-term loans
Everyone should be familiar with Baidu's money. It belongs to a pure credit mobile phone loan platform. There is a small platform called short-term loan. Those who are over 22 years old and have a stable income can apply.
4. Central Plains Consumer Finance
Zhongyuan consumer finance is also an APP that can lend money to everyone. The daily loan interest rate can be as low as the maximum loan amount of 200,000 yuan. You can apply with your ID card, and the funds will arrive in 5 minutes at the earliest.
5.baidu has money to spend.
1 0,000 yuan loan, with a maximum amount of 300,000 yuan, which can meet the daily life loan demand and large loan demand. You can choose the loan term of 3, 6, 65, 438+02 and 24 months, and the loan is very flexible. The same loan user can't apply, so hurry to "wash white"!
6. Xiaomi loan
The micro-loan products under Xiaomi Finance can borrow up to 200,000 yuan, and also provide installment services. Users need to have a Xiaomi account or a Xiaomi loan APP account, and need to provide the front and back of a valid ID card. When applying, they must authenticate their avatars.
Can I apply for security credit for my newly opened calling card?
Yes, you can also apply for a new calling card through an credit card. An Credit is a lending application. As long as you have your own ID card and phone card, you can complete the application through an credit.
Can't I borrow the new number? Because I'm worried about this!
You can't get rid of the basic information of applying for a loan, such as personal ID card and mobile phone number. A user asked if the new number could not be borrowed? Then let's briefly talk about this problem for everyone, hoping to find it helpful after reading it.
Can't I borrow the new number?
Generally speaking, the mobile phone number for applying for a loan must be at least 3-6 months and above, and the mobile phone number registered by the borrower real-name registration system, such as the spouse's ID card and the children's/parents' ID card, will affect the normal process of loan application.
The reason for this restriction is to prevent some users from deliberately providing false numbers for fraudulent loans. Once the user authorizes at the time of application, the background can grab the data.
For example, where is the telephone address of the borrower and whether it is consistent with the application place; Whether the top common contact is the emergency contact left by the loan information can help the platform to verify the authenticity of the user information from the side, thus reducing the risk.
In addition, after the loan payment is successful, if the user changes his mobile phone number, it is also recommended to talk to the platform, so as to avoid thinking that the user has lost contact when the repayment cannot be contacted, and it is likely to call the contact person directly, which will have adverse effects on the borrower.
The above is about "can't the new number be loaned?" Generally speaking, considering the risk of loan repayment, the new number cannot be borrowed, and the service period should be at least 3-6 months. The application threshold requirements of each platform will be different, subject to the actual notice.
Can I get a loan with my mobile phone number?
It is impossible to get a loan only by relying on the mobile phone number, but it is essential when applying for a loan. No matter what kind of loan you apply for, you must submit valid personal information and mobile phone number, which will be reviewed when you apply for a loan. Only when the borrower is audited can the loan be obtained.
At present, many online lending platforms require borrowers to submit personal real-name authentication mobile phone numbers when handling loans. Individual platforms also stipulate the service life of the mobile phone number, and you can apply for a loan only after it is met. However, when borrowing from online lending platforms, it is best to compare loans from different platforms.
It is best for borrowers to measure their repayment ability when handling loans, and determine the personal loan amount according to their repayment ability, so that there will be no overdue repayment after borrowing. After the online lending platform loans overdue, the platform will collect money, and individual platforms will also explode the address book.
The loan amount of online loans is not very high, so there is no need to pay it back on the repayment date. Even if it is difficult to repay, you can call the online loan platform and ask if you can postpone the repayment. In real life, many platforms will agree. If the online lending platform does not promise to postpone repayment, you can borrow money from friends to repay.
Can I get a loan with my mobile phone number?
You can't apply for a loan simply by relying on your mobile phone number. Other materials are required to apply for bank loans. If you make a loan on the online lending platform, at least you need to submit personal valid identity information. Most of the platforms that can borrow money simply through the mobile phone number are informal platforms, so be careful not to be fooled.
To apply for a loan in a bank, the borrower needs to be at least 18 years old, have a stable job and be able to repay the loan on time. The borrower also needs to submit the bank flow in the last 6 months, and the personal credit information is good; The above points are the basic conditions for handling all kinds of loans, and finally submit other conditions stipulated by the bank.
The general process of bank loans:
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2. After receiving the application form at the counter and filling it out, submit the form together with the materials. When the bank accepts it, it will review it according to the information provided by the customer.
As soon as the audit result comes out, the bank will inform the customer. If approved, the loan amount will be approved.
4. Customers who have received the notice of approval shall sign the loan contract at the outlet within the agreed time and go through the relevant formalities (such as mortgage loan needs to be registered as collateral).
5. Banks issue loan funds.
When borrowers borrow money on online lending platforms, it is best to compare different platforms, so that they can understand the loan amount and interest rate, and then choose the most cost-effective one. When borrowing money, users should think about the repayment plan in advance to prevent the later repayment from being delayed.
Users can't repay on time after borrowing through online lending platform, which will result in penalty interest. If they don't repay for a long time, it will also affect the borrower's credit information. At present, most online lending platforms have access to credit information. The overdue records of the online lending platform will also be uploaded to the credit information center, which will have a negative impact on personal credit information, and it will be more difficult to apply for loans again in the future.
Is the new mobile phone number okay?
The mobile phone number just processed is ok, and whether it passes or not is subject to the system audit results.
Application conditions:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence;
2. Have legal and valid identification and proof of marital status;
3. Obtained a credit rating of D or above in China Industrial and Commercial Bank;
4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses of merchants, booth certificates, industry business licenses, etc.). ) and the property right or contract and lease certificate of the business premises;
5. Have the ability to repay the loan principal and interest in full and on time;
6. It has a good credit record and repayment willingness, and the borrower has no bad credit record in known financial institutions such as China Industrial and Commercial Bank;
7. In addition to credit guarantee, legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank can be provided.
Application materials:
1. Original and photocopy of valid identity documents and marital status certificates of the borrower and its spouse;
2 annual business license (or valid business license, booth license, industry license, etc.). );
3. Proof materials reflecting the operating conditions and repayment ability of the borrower or its business entity;
4. If it is a secured loan, it shall provide information in accordance with the relevant regulations of China Industrial and Commercial Bank;
5. Other documents or materials required by the bank.