With the innovation and diffusion of financial science and technology, borrowing has become simpler and more diverse. Macro-credit is a financial product that re-constructs traditional credit business models, using technologies such as big data and artificial intelligence to provide flexible and easy lending services to ordinary consumers, including those with credit difficulties. However, there are many people who are unable to open a particle loan after their repayment has been delayed. So we need to get to the point of “Can we open a particle loan?”。

Can you open a particle loan

First, there are conditions that need to be met to open the granules. Borrowers' credit records, credit ratings, bank card information, etc. all affect the availability of particulate loans. If the borrower is unable to pay off the loan on time or has poor credit records, there will be a reminder on Microparticle Lenders' Web that “it does not meet the opening criteria”, at which point the borrower will look for alternative repayment channels。

Second, even if the borrower repays the money properly, it does not guarantee that everyone can open a particle loan. Since the masonry assesses the risk on the basis of the qualifications of each borrower, the actual availability is determined by the aspect of the masonry. Moreover, the portfolio of micro-prime loans is relatively narrow, mainly for people who are self-employed and self-employed。

In addition, if borrowers apply for loans through the micro-credit, payment and treasure channels, there is no problem with seed lending. This approach, however, is small in value, interest is high and repayment times are difficult to extend in relation to traditional institutional lending。

To sum up, it is not easy to open a particle loan, which requires the borrower to meet the conditions associated with the loan, but also to determine whether it is appropriate to open it through a risk assessment of the loan. Therefore, if it is not clear whether or not it is eligible, it would be preferable to conduct a self-assessment on the microparticles lender web, so that it can be counted. It is recommended that borrowers, when choosing a loan service product, also take care to choose a formal, official and well-detailed platform to avoid unnecessary inconvenience。