The process of online loan review:
1, online review: make a preliminary analysis of your specific situation through the submitted materials and third-party platforms;
2. Big data analysis: analyze big data through the information provided, such as credit card bills, e-commerce accounts, mobile phone number service passwords, address books, savings cards, etc.
3, return visit verification: many lending institutions will call back, the most important thing is to call, and some will call their parents and friends;
4. Comprehensive evaluation: through the first three stages, the risk control personnel of the lending institution will have a certain understanding, and then comprehensively compare all the information to judge the comprehensive situation of the borrower, so as to finally decide whether to approve the funds and the approved amount;
5. Loan approval: After the approved credit line is finally determined, the loan will be started. At present, most lending institutions are still quite fast, usually within three days, and many can be completed on the same day.
Online lending, p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category in the Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.
How many days does it take to qualify for the house purchase? Generally speaking, it is 1 working day, but it may be different in different regions. In addition, whether it is carried out according to the procedure also affects the time for the qualification examination of house purchase.
Legal basis: Notice on Further Optimizing Business Environment and Simplifying Housing Transaction Process
The fifth is to cancel the housing verification and the supervision of compulsory stock housing funds, and shorten the time limit for the review of housing qualifications to 1 working day.