credit reporting. Time staging is a subsidiary of Beijing Ke Rong Zhan Jun, the new vest of the original Atomic Loan. At present, the maximum application amount is 5, yuan, each piece is 1, yuan, and the longest service life is 12 cycles. When applying for this loan, the borrower needs to have a common credit card with six bills. At present, credit information is not checked when applying for loan products, but some lenders have credit information, including banking department and consumer department, so please pay attention to the loan contract before lending.

1. _ Time is overdue by installment. The impact on refinancing

mainly refers to whether refinancing can be passed and the amount and proportion obtained. Under normal circumstances, if the accumulated overdue days are less than 3 days, refinancing can still enjoy a second loan or an increase in the amount. After all, when everyone has no money at hand, the lending platform will generally give a tolerance period of about 3 days; If the loan is overdue for 3~7 days, there may be no discount on the amount, but it will not affect the loan again; Accumulated for more than 7 days, the probability of lending is relatively small. This is no different from 9% microfinance in the market. All collected by telephone. Generally, in loans overdue within 3 days, the lender will be contacted by phone+SMS first. If I can't reach you or still don't call back, then the next step is to find your contacts, such as your parents, company colleagues, friends and so on, by SMS+phone. Almost all small loans are like this. After all, the loan platform is not a charity. If you don't accept the borrowed money, you will lose money or even go bankrupt.

2. Credit history. Borrowers will be blacklisted according to time and stage. Now all lending platforms enjoy blacklist information, and borrowers from other lending platforms will not apply for loans. There are two different situations: the credit information is not checked when applying, and the credit information is not checked when recording the loan. Under normal circumstances, less than 3 credits are not available, and more than 3 credits are basically available, but different credits have different standards.

3. repayment method: (1) equal repayment of principal and interest: equal repayment of loan principal and interest on a monthly basis. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same; (2) average capital repayment method: the borrower distributes the loan amount to each installment (month) evenly during the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date of the current day. In this way, the monthly repayment amount decreases month by month; (3) Monthly repayment of principal and interest and due repayment of principal: that is, the borrower shall repay the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan shall bear interest on a daily basis and be repaid on a monthly basis; (4) Prepayment of part of the loan: that is, the borrower can apply to the bank for prepayment of part of the loan amount. Generally it is 1, or an integer multiple of 1,. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will remain unchanged, subject to the new repayment period. Do not exceed the original loan term (5) Repay the loan in advance: that is, the borrower can apply to the bank to pay off the loan in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

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