The failure of Xiaomi loan means that the user does not meet the loan requirements. At this time, you can update your personal information. As for when the credit line of Xiaomi loan can be restored, there is no specific time. Usually, the system needs to re-evaluate the results after submitting the information, and the time is not fixed; If the bank card causes the loan to fail, it can be restored in real time after changing the bank card.

Xiaomi loan can be handled through Xiaomi loan app or Xiaomi financial app. Different users get different credit lines when applying. Under normal circumstances, users can get a higher credit line by using the services provided by Xiaomi more. When applying for a loan, users can repay it in installments.

The loan on Xiaomi Loan will bear interest on a daily basis, with daily interest = outstanding principal * daily interest rate (the daily interest rate of Xiaomi Loan will be comprehensively evaluated according to the account and personal credit status, subject to the display on your page). For example, your daily interest rate is 0.5 ‰, the loan is 10000 yuan, and the daily interest is 5 yuan.

It should be noted that Xiaomi will incur penalty interest after loans overdue, and the longer the time, the more penalty interest will be, and the platform will collect it after it is overdue. After overdue repayment, the platform will upload overdue records to the credit information center, which will affect the handling of various loans, such as car loans or mortgages.

Version information: Take Xiaomi Loan Version 5.27.0, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

How can I not borrow Xiaomi's loan if I have a quota?

Xiaomi's loan can't be lent out for three reasons. The reasons for these three aspects are:

1. Comprehensive credit line does not meet the loan conditions.

Many times, everyone's credit line does not reflect the evaluation results. Some friends have no credit limit, but the system page is not updated in time, and the previous credit results are still displayed. If everyone's income, liabilities, credit information, etc. If you don't meet the standards, it is impossible to successfully borrow money. The comprehensive credit is insufficient, so we can only wait for more than three months to try again.

The quota for that day has been distributed.

The loan amount of Xiaomi loan is not unlimited. Sometimes the loan amount will be temporarily insufficient. At this time, everyone will encounter the situation that the quota cannot be borrowed. The quota for that day has been used up. You can wait for about 3 days and try again.

3. There is something wrong with the system.

In some cases, due to the update and maintenance of Xiaomi loan system or the update and maintenance of banking system, we can't lend credit lines. If there is something wrong with the system, you can wait a few hours.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands and low interest rates are trustworthy. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.

20 19 Xiaomi loan application conditions: there may be these reasons for failure!

Xiaomi Loan under Xiaomi Finance has been well received by the majority of borrowers. Many rice noodles will think of Xiaomi loan as soon as they need money urgently. 20 19 Xiaomi loan application conditions have come out. Old friends in into the pit at the beginning can come and have a look.

I. Official information

Xiaomi loan is a pure credit loan, so the application conditions are very simple and no mortgage guarantee is needed;

You just need to complete the basic information authentication. Xiaomi mainly evaluates the overall qualification, so it will be judged automatically by the system, and the result will be produced soon;

Apply for certification:

1. Binding bank card: enter the bank card number, name and ID card, and reserve a mobile phone to open an account. Remember that it is a bank card with no abnormal status under my name, which is used for repayment and withdrawal;

2. Smart ID card identification: Applying for Xiaomi loan requires face recognition and corresponding actions, such as turning your head, opening your mouth and glaring.

3. Manual identification: if the automatic identification is unsuccessful, it will automatically jump to manual identification, and you need to provide a self-portrait photo of your hand-held ID card, which will be reviewed within 1 working day after uploading;

The above is the basic personal authentication information, which is very simple. You can apply for a loan as long as you meet the age of 18. Conditional friends can try.

Second, user feedback.

Although the application for Xiaomi loan is simple, there are certain thresholds. Many borrowers don't know why they were rejected. I compiled some feedback from users, hoping to help everyone.

1. line lending failed. 20 19 Xiaomi is tightening the loan quota, so the daily quota is limited. You can try again another day.

2. Bank card restrictions. Xiaomi only supports some bank cards, and bank cards cannot be frozen, lost or expired.

3. Xiaomi Finance. You can download a Xiaomi Finance and try it from that entrance, and the success rate will be higher.

4. Insufficient credit. It may be a newly registered account and has never participated in Xiaomi system. You can try to find a Xiaomi account.

To sum up, the millet loan in 20 19 is still under payment, but the success rate is relatively low. Now the risk control is very strict, and many people drop seconds after submitting it. You can try to optimize the application materials.

Xiaomi Finance has a quota and can't borrow it. What happened?

Xiaomi Finance has a line that cannot be borrowed. It may be that the comprehensive score credit is insufficient, and the credit line borrowed by users in Xiaomi has been cancelled. Or the amount of the day is not enough, and the loan amount that Xiaomi Suixing borrows every day is limited. It may be that the loanable amount is used up that day, or the system is being maintained and upgraded. Wait patiently for 1-2 days before you can apply again.

Xiaomi's accompanying loan is a loan service under Xiaomi Finance, formerly known as "Xiaomi Loan".

Xiaomi loan is upgraded to Xiaomi accompanying loan, which is a pure credit unsecured loan product and serves the credit of Tianxing Finance (formerly Xiaomi Finance). Based on the mature big data risk control system and business scale, Xiaomi Suixing aims to provide users with convenient and fast services. At present, the main services cover personal consumer credit loans, consumer installment loans, and small and micro enterprise business loans. , no security, pure online, fast. Users can perform simple operations through the App and lend money in one minute at the earliest.

With the satellite, relying on Xiaomi's outstanding advantages in artificial intelligence, big data and other fields, the online audit system with zero manual intervention in the whole process brings efficient and convenient financial technology services to users.

The products borrowed by satellite are characterized by a daily interest rate of 20,000, which can be repaid with the loan, fast authentication and the fastest arrival time 1 minute. In addition, loans, installment purchases, full coverage of rice noodles, comprehensive risk control, and transparent interest expenses.

The logic of satellite loans is similar to that of commercial credit cards, that is, commercial institutions issue cards by themselves, and provide users with a certain credit line according to their consumption behavior in the card-issuing commercial institutions, with the ultimate goal of promoting users' consumption in the commercial institutions.

Calculation of loan interest:

The loan interest will be deducted automatically on the repayment date of each month, and the daily interest rate calculation formula is = unpaid principal * daily interest rate (the daily interest rate of Xiaomi loan will be comprehensively evaluated according to the account and personal credit situation, please refer to the display on your page).

For example, the daily interest rate is five ten thousandths, the loan 10000 yuan, and the daily interest is 5 yuan. If you have overdue principal or interest, the overdue interest rate of overdue principal or interest is 65438+ 0.5 times the normal loan interest rate.

Installment shopping rate:

Xiaomi supports 3/6/ 12 installment payment. The total handling fee rate of Xiaomi installment 3 is 2.22%, that of Xiaomi installment 6 is 3.9%, and that of 12 is 7.2%. Normal repayment only needs to pay the principal and handling fee of the current period every month, and the total handling fee is charged for the prepayment (whichever is the number).