What is everyone's credit limit? The official maximum loan amount of Renren Loan is 654.38+10,000 yuan. According to users' feedback, the loan amount of everyone's loan is generally several thousand yuan, and friends with good credit information can reach tens of thousands of yuan. Generally speaking, Renren loan is a micro-credit loan for office workers and self-employed.
According to Ka Baobao, friends with micro-credit lines can enjoy special treatment such as reducing rates, increasing loan lines and shortening loan review time. In addition, a higher sesame score can also effectively increase everyone's loan quota.
How to increase everyone's loan amount
1. Constantly improve your personal credit rating, not only the credit of the central bank, but also the credit score of Tencent and Sesame. Xi Cai Jun suggested that you'd better bind commonly used credit cards with WeChat and Alipay. This can simultaneously improve the credit rating of the central bank, Tencent's credit score and Sesame's credit score.
2. Don't dislike the small loan amount for each person at present. Starting with small funds, the amount will increase with the increase of loan times. You can also borrow more with microfinance. With the increase of micro-credit amount, everyone's loan amount will also increase greatly.
How about giving everyone a loan?
Renren loan is a formal and reliable lending platform. Founded on 20 10, it is an information intermediary service institution in peer-to-peer lending and one of the earlier information intermediary service platforms in peer-to-peer lending. The trading funds of Renren Loan are kept by China Minsheng Bank, and the information disclosure of Renren Loan is relatively transparent.
Renren loan is a well-known micro-loan product, and the loan process is relatively formal. To apply for a personal loan, the applicant must meet the following conditions:
1. Applicants must be between 18-55 years old, and underage children and elderly people over 60 years old will be rejected;
2. The mobile phone number provided by the borrower must be authenticated by real name, and it shall be handled with the ID card of the borrower;
3. A personal credit report issued by the Credit Information Center of China People's Bank is required. People with poor credit may not pass the audit. Generally speaking, the loan conditions of renren loan are relatively loose.
Extended data
Wage loan
Users aged 22-55 who have worked for 3 months can submit applications, which are suitable for office workers who have just graduated, because they will face problems such as renting a house, spending money and human feelings after joining the work, and it is inevitable that they will be nervous at hand. As long as the monthly income is more than 2000 yuan, you can apply for a salary loan, which is very easy to pay and has no restrictions on use. Can be used for decoration, marriage, buying a house, buying a car, education (further study, study abroad) and so on.
The amount of the next payment is about 3000 ~ 50000 yuan, and the annual interest rate depends on the user's qualification, which is basically above 10%. This will check the credit information, and loan users can hardly apply, but white households can provide sesame points.
Is Renren Loan Company a usury company?
Not a usury company. Renren Lending Business Consultant (Beijing) Co., Ltd., founded on 20 10, is an information intermediary service institution in peer-to-peer lending and one of the early information intermediary service platforms in China, and is committed to providing online credit and loan matching services for high-growth people.
Article 26 of the Supreme People's Court's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases stipulates that if the interest rate agreed by both lenders and borrowers does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.
Therefore, the standard of usury is no longer based on whether the annual interest rate exceeds 24%, but whether it exceeds 36%. That is to say, as long as the annual interest rate does not exceed 36%, it does not belong to usury.
Extended data:
Characteristics of Renren Loan Platform:
1. Provide information intermediary services for microfinance.
The maximum loan amount does not exceed 200,000 yuan, and the target groups are mainly small and micro business owners and self-employed individuals to help them solve the difficult and urgent problem of borrowing.
2. Low loan threshold
In renren loan, the minimum loan amount is 50 yuan. Renren is committed to providing professional services for users to participate in Internet financial activities.
3. Strictly control risks.
Renren loan not only controls and prevents risks from pre-lending audit, but also plays a key role in risk management, thus forming a comprehensive and rigorous service process that runs through pre-lending consultation, pre-lending audit, post-lending follow-up and payment management.
4. High risk control
Renren Loan has always conducted its business with safety and risk control management as the primary operating criteria, and the risk control measures are strict.
5. Highly innovative
Adhering to the innovative genes of the Internet, it is compatible with the rigorous attitude of the financial industry, adheres to the innovation of ideas, models, mechanisms and products, and provides financial information services with innovative Internet thinking.
Baidu encyclopedia-renrendai
Baidu Baike-Renren Loan Business Consultant (Beijing) Co., Ltd.
Baidu encyclopedia-usury