Will the loan of the famous loan product recover in real time after repayment? One view is that this depends entirely on the repayment of the client. A chestnut, if a client receives a $500 loan and plans to pay in five instalments, will not be restored if only one or two of the initial instalments are repaid as planned. Instead, it would be necessary for him to make full payments before the initial 500-dollar level could be restored。

So, is this a real-time recovery

This, however, does not require only that the user pay its debts on time within the prescribed repayment period, and if the repayment does not enter into arrears in time, the recovery will be even more remote. Overdues not only do not restore the amount of the loan, but may well lead to further lowering or even freezing of the loan line in the system, which also means that clients may not be able to apply for a loan again in the future。

There was only one way to deal with that situation: to pay the arrears as soon as possible and to spend as much time as possible to repair the credit damage caused by the delay. It is only when the credit has been restored that the amount can be restored and the client can then regain eligibility to borrow。

The mechanism of evaluation is very rigorous for the borrowers against which the loans are made. In addition to the use of borrowers and personal credit, debt ratios are also a basis for assessment. Borrowers are unable to borrow, regardless of their level, if they are unable to meet their borrowing requirements。