You can apply for policy loans for life insurance contracts such as life insurance, participating insurance, pension insurance and annuity insurance that have a savings nature. Insurance types such as accident insurance, health insurance, investment-linked insurance and universal life insurance do not have the function of mortgage loans.

The operation process of online loans:

The first step: analyze the personal credit report.

1. Get a personal version of the People’s Bank of China’s credit report. There are three core elements in the credit report. The following three are what online lenders are most concerned about.

Item 1: Do all credit cards and loans have overdue records in the past, and what is the severity of the overdue payments? If your loan is overdue for more than 90 days, or if it is not overdue for more than 90 days but is overdue for a large number of times (more than 3 times), basically no online loan will be given to you.

Item 2: Current total debt, credit card debt ratio (how much of the credit limit is used). If the credit card limit is basically used up, and the total debt amount is relatively large, online loans will think that you are operating at full capacity. Your financial repayment ability is relatively weak. Even if you can be given a loan, the amount and rate provided will not be particularly ideal.

Item 3: The number of recent credit inquiries for credit card approval and loan approval. If there are too many such inquiries, it means that you are particularly short of money recently and "go to the doctor in a hurry". Online lending institutions Will also pay extra attention.

2. Is there any room for improvement in the People’s Bank of China’s credit report?

Currently, the credit card balance recorded in the People's Bank of China's credit report does not include the remaining principal of the installment that has not yet been billed. In other words, if you divide all your bills into installments, your arrears reflected on the People's Bank of China report will be very low, and your liabilities will look better.

3. How historical overdue items are presented in the People’s Bank of China’s credit report.

In the personal credit report, the overdue records are relatively simple. Only three pieces of information are recorded: the month you were overdue, the month you were overdue for more than 90 days, and whether you are currently overdue in the past 5 years. Based on these three items alone, it is impossible to know when you were overdue, and you cannot know when you were overdue. The severity of overdue payments (not paying back for several consecutive months, the number of overdue days each month, these two overdue degrees are very different). In some cases, the way of recording overdue payments in personal credit reports is very important to you. It will be more advantageous; for example, suppose you have not repaid a certain credit card for three consecutive months in the past six months, and you have only made up the repayment in the last month; if an online loan sees your bill, it can determine that you have not repaid it for three consecutive months. The fact that it has not been repaid is a very serious overdue; but if an online loan can only see your credit report, it will show that "three months in the past five years have been overdue. This performance appears to many online loans. Not particularly serious.

Step 2: Pay attention to details on the mobile phone.

1) The purpose of obtaining the address book. The purpose of obtaining mobile phone call records is the same. In order to prevent the loan from not being repaid, if the loan is overdue and the loan is not repaid, the online loan company will blow up the phone numbers of all the contacts in your address book.

2. ) Check whether there is anything suspicious in the address book. Many people write in more detail when explicitly mentioning contacts in the address book; if there are the following keywords in your address book, you should start to pay attention: "Online loan" ", "small loan", "loan intermediary", "scheming", "gambling", etc. Use your imagination and go through the address book. If you feel something is wrong, delete it. In addition, if you There are some intermediary numbers stored in your address book. Remember to delete them. The reason is the same as the phone numbers of small loan companies. Many things in the industry can be easily retrieved.

3) Try not to forge the address book. Consider forging an address book, because if you want to forge an address book, you have to get the whole set. Some fans use their brains to get other people's entire address books or completely forge one set, but they often ignore the overlap between the address book and your actual call records. . In other words, if you want to use your brain, the cost is very high. A set of address books is still secondary. The main thing is that you have to forge call records. This call record is queried from the operator, so you It must be a real call.

4) Regarding mobile phone text messages, mobile phone text messages on Android phones can be read by third-party APPs; users of Apple phones do not need to worry because The privacy protection of Apple mobile phones is very thorough, and no third party can obtain the content of your text messages.

Therefore, Android users are exposed to more information about online loans, and they should pay special attention to the following points:

Point 1: Other text messages related to online loan applications, repayments, collections, etc., regardless of whether they are fatal or If you delete them all, this will be a deduction.

Point 2: For various bank and credit card text messages, there should be no major discrepancy between the number of credit cards presented to the online lender in your email and the number of credit cards involved in the text message. Consistency is very important.

2. Mobile phone number information.

1) The purpose of online lending institutions obtaining your call records. The most important function is that if you do not repay the money in the future, the online loan will use it for collection. On the one hand, if you refuse to answer the phone or change your number, online lenders can call your contacts and try to get your latest contact information; at the same time, they can also use this method to spread the news about your failure to repay the money you owe. Your social circle puts pressure on you. So, don’t think about not giving it back; mobile phone call records can also be given out freely. In addition, your call records can provide some other clues. For example, have many other online lending institutions called you recently? If so, it means that you may be in a hurry and short of money, which is a disadvantage for online lending. For another example, have you ever been in contact with some financial intermediaries? Generally speaking, online loans do not like intermediaries.

2) Mobile phone real-name system. Online loans will obtain your call records by logging into the operator's online business hall. Your number must be registered with the operator in real name, otherwise the online lender cannot determine whether the number belongs to your name.

3) Keep a mobile phone number. If you are an experienced driver, you may consider keeping a clean number in the long run. We will explain in detail the disadvantages of dealing with intermediaries later. Ideally, all loan applications would be done on your own. But if you have already contacted the intermediary and left a call record, it doesn’t matter. You might as well apply for a brand new mobile phone number from now on, take good care of this number, and only contact friends and family, not loan agencies, etc. At present, mainstream online loans require reading mobile phone call records. Therefore, in the long run, it is very necessary to maintain a high-quality number.

4) Regarding raising a trumpet. Don't consider using a small size. Don't try to get by with a trumpet. What is a trumpet account? It is the number you use to register for various websites, contact real estate agents, receive bank text messages, and receive express delivery. Online merchants want your call records in order to obtain the contact information of your acquaintances. They have their own algorithm to determine which of your acquaintances are, and this cannot be fooled. When you submit a trumpet account, naturally there won’t be many of your acquaintances in it.

Step 3: Debit card turnover. ,

1. What is meaningful savings card turnover? Many people think that their savings card looks good if it has a large turnover. Not really. When looking at savings card statements for online loans, the main purpose is to identify the salary part and see if you have a stable income. The turnover must be marked with the word "salary" to be considered as income. If you have this kind of income every month in your business, and the amount is reasonable (if it’s less than 2,000, you can’t get rid of it), you can consider providing it. Debit card transaction is in most cases an optional application material. If you don’t have a stable and considerable salary income, it’s okay not to provide it.

2. Record of hidden danger points deduction items. If the savings card statements you provide contain a lot of loan disbursements and repayment deduction records from other lending institutions, these are hidden dangers in deducting points, and online lending institutions may re-evaluate your total liabilities. Hidden risks are not only found in the flow of water, but also in other aspects; many friends estimated a very high loan limit when applying for a loan when their own information was not complete, but after completing the review of a certain item of information, they ended up The reason for the reduction in the amount.

Step 4: Credit card statement email.

1. Ensure the completeness of the credit card statement in the mailbox. Make sure that at least one credit card's complete statements for the past 6 months are in your mailbox. If the statements are incomplete, call the bank's customer service to apply for a replacement electronic statement.

2. Card statements with overdue records will be deleted. If there is an overdue credit card, be sure to delete all the bills for that card in your mailbox, and learn to package yourself to show your best side to online loan companies.

3. Delete restricted emails.

Online lending institutions will not only scan the credit card bills in the mailbox, but also will not let go of other clues with information value. In the past, some members of other platforms had perfect bills, but there were other overdue online loans in the mailbox. The email of the reminder notice was not deleted, resulting in an audit failure. Therefore, remember to delete any notification emails including but not limited to other online loans, online gambling website registration, certification, remittance, recharge and other notification emails, etc.

4. Pay attention to the consistency of the application process. The "you" that online lending institutions know may not be the complete "you". To be precise, it is the "you" you show them through email information, etc.; Grandpa Caishen will give you an example. Even if you have three cards, two of which are seriously overdue and one of which is in good condition, then in online loans From the information read by the institution, it will think that you only have this card, and that the usage and credit status are good. Most online loan companies will have return phone calls and will often ask some questions to verify whether the applicant is applying in person. , your answer at this time must be consistent with the "you" information you show to the online loan. For example, when the online loan returns, how many cards do you have and what is the maximum limit? Then your answer should be that the maximum limit of a card is the limit of the card you show, unless the credit report shows otherwise.

Step 5: Processing of e-commerce account information.

There are many e-commerce accounts, including Taobao, JD.com, Suning, etc. Here we mainly talk about Taobao, and you can draw inferences about other cases.

1. Alipay requires real name. Each Taobao account will be bound to an Alipay account. This account must be a common account under the real name of the loan applicant. There is no doubt about this, because one of the main reasons for online loans to read your Taobao account information is to prove that "you It's you". The best Taobao membership level is V2 or above.

2. Online shopping consumption records. Online shopping consumption records are the best proof of your spending power. Online lending institutions will use your spending power to evaluate your repayment ability; therefore, you can maintain a habit in the future and try to use Alipay for purchases that can be paid with Taobao and Alipay. Pay. Before applying for a loan, make sure that your Taobao account has more than 10-15 real transaction records in the past three months. Recharges and virtual products do not count. Only real items with express delivery records and consumption records count. If not, spend some money. Time to do it. If you are doing turnover, don’t make more than 2 purchases per day, and no more than 5 purchases per week.

3. Bad transaction records. Many transactions will leave a bad impression on online lending institutions. Grandpa Caishen reminds you that the following are not welcome: gambling and game consumption recharges, P0S machine purchases, online loan intermediary information purchases, online loan intermediary membership purchases, Alipay internal purchases IOU transactions, IOU repayment records, etc. Therefore, before submitting Taobao account information, be sure to check your Taobao transaction records and Alipay repayment records, and use your brain to delete all bad transaction records; also note that when deleting, you must keep the two-way records of Taobao + Alipay Delete them all.

4. Shipping address. Try to ensure the uniqueness of the delivery address. Remember that there cannot be multiple (more than 3) delivery addresses. The commonly used delivery addresses must be consistent with the information used in the loan application. The delivery address must be accurate, down to the house number. Standard format: **Province/City **District (County/Town) **Road **Alley/No. **Residential **Building/Floor**Room. If there is no specific floor and house number information, at least ** Road must be written. If there is no ** number, nearby landmark buildings and directions must be written clearly. This also proves to online lending institutions the stability of your residence or job.

5. Telephone number. The commonly used delivery phone number must be consistent with the phone number you carry. Maybe you have used another delivery phone number before, and it doesn't matter. But try to make sure that the recent transaction address and phone number are consistent with the information in the loan application materials.

Step 5: Processing of e-commerce account information. There are many e-commerce accounts, including Taobao, JD.com, Suning, etc. Here we mainly talk about Taobao, and you can draw inferences about other cases.

1. Alipay requires real name. Each Taobao account will be bound to an Alipay account. This account must be a common account under the real name of the loan applicant. This is undoubtedly because one of the main reasons for online loans to read your Taobao account information is to prove that "you It's you". The best Taobao membership level is V2 or above.

2. Online shopping consumption records.

Online shopping consumption records are the best proof of your spending power. Online lending institutions will use your spending power to evaluate your repayment ability; therefore, you can maintain a habit in the future and try to use Alipay for purchases that can be paid with Taobao and Alipay. Pay. Before applying for a loan, make sure that your Taobao account has more than 10-15 real transaction records in the past three months. Recharges and virtual products do not count. Only real items with express delivery records and consumption records count. If not, spend some money. Time to do it. If you are doing turnover, don’t make more than 2 purchases per day, and no more than 5 purchases per week.

3. Bad transaction records. Many transactions will leave a bad impression on online lending institutions. Grandpa Caishen reminds you that the following are not welcome: gambling and game consumption recharges, P0S machine purchases, online loan intermediary information purchases, online loan intermediary membership purchases, Alipay internal purchases IOU transactions, IOU repayment records, etc. Therefore, before submitting Taobao account information, be sure to check your Taobao transaction records and Alipay repayment records, and use your brain to delete all bad transaction records; also note that when deleting, you must keep the two-way records of Taobao + Alipay Delete them all.

4. Shipping address. Try to ensure the uniqueness of the delivery address. Remember that there cannot be multiple (more than 3) delivery addresses. The commonly used delivery addresses must be consistent with the information used in the loan application. The delivery address must be accurate, down to the house number. Standard format: **Province/City **District (County/Town) **Road **Alley/No. **Residential **Building/Floor**Room. If there is no specific floor and house number information, at least ** Road must be written. If there is no ** number, nearby landmark buildings and their directions must be written clearly. This also proves to online lending institutions the stability of your residence or job.

5. The phone number and the frequently used delivery phone number must be consistent with the phone number you carry. Maybe you have used another delivery phone number before, it doesn’t matter, but try to make sure that the recent transaction address and phone number are consistent with the phone number. The information in the loan application materials is consistent.