nowadays, loans are relatively simple. besides bank loans, some other financial institutions can also apply for loans. However, the loan is not a loan, which requires the borrower to meet certain requirements. Let's take a look at several items that may need to be verified when lending.

1. Sesame Credit Score

Sesame Credit is a credit information system launched by Ant Financial, which evaluates consumers' credit through big data and other forms. At present, many lending platforms have introduced this credit system, and take this credit score as a reference for whether to lend. If the sesame credit score is relatively high, then the corresponding loan amount that can be applied for will be larger. On the contrary, if the sesame credit score is relatively low, then you may not be eligible for a loan.

2. Authentication

When applying for a loan on the platform, the platform will first verify the identity information of the prospective borrower, and then the borrower's ID card will be used. In addition to the ID card, there is a more advanced verification method, that is, face recognition. Through the face recognition, and then combined with big data comparison, according to the results to determine the amount of loans.

3. Mobile phone address book

Now, if you want to apply for a loan on some platforms, the platforms generally require borrowers to register with their mobile phone numbers, and this mobile phone number needs to be used continuously for more than three months, and the mobile phone address book needs to be verified after registration. The reason to verify the address book of the mobile phone is that the platform is checking whether you are still in contact with some other lending institutions. If you are in contact with too many lending institutions, then the platform is likely to reject your loan application. Another purpose of verifying the mobile phone address book is to obtain your mobile phone contact information. Once you are unable to repay, the platform will probably call your address book contact to urge you to repay the loan.

4. Credit card bill

The purpose of verifying credit card bill is to check whether you have overdue repayment, so as to judge your credit status and repayment ability.

The above are some things that may be verified when applying for a loan, so we must protect our credit situation in our daily life, otherwise it may bring a lot of trouble in the future.