It is not clear whether the sunshine discount is formal. After all, there are a lot of false propaganda on the Internet, but you can choose a formal loan bank or institution. There are still many formal platforms. If you need money urgently, you can apply on the regular platform.
I sunshine credit information
As shown below: 1. Sunshine credit is formal. Except that you need to pay one thousandth of accident insurance, everything else is against your handling fee. So people who don't know will be more painful. There should be many people who think that the interest rate is high and the basic interest rate of unsecured credit loan companies is the same. 2. Sunshine Credit has a high reputation and high interest rate, but users can manage their finances safely on this platform, and the loan risk is supervised by banks. There are also stable income, convenient access and low handling fees. Compared with some credit platforms with bad reputation, it has many advantages. The interest of Sunshine Credit depends on the term of your loan, and the interest generated by different loan terms is different. If the loan term is less than 6 months, interest will be charged at the annual interest rate of 4.86%. Therefore, the longer the loan time of Sunshine Credit, the higher the interest.
Second, the conditions of personal loans
As follows: 1. China citizens with fixed residence, permanent residence or valid residence certificate, under the age of 65 (inclusive) and full capacity for civil conduct; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Being able to provide legal, effective and reliable guarantee recognized by the bank; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Open a personal settlement account in China Industrial and Commercial Bank; 7. Other conditions stipulated by the bank. It should be noted that for credit loans such as personal comprehensive consumer loans, the loan amount needs to be issued according to the personal credit accumulation in the bank.
To sum up, if you want a loan, you must go to a regular bank for a loan, as long as you meet the relevant conditions. After the loan is completed, you must pay it off within the time limit, because the current lending institutions are collecting it at the meeting, so in order to avoid being affected by your credit history, you should pay it off as soon as possible.
Is Sunshine Property Personal Loan Reliable?
Sunshine property personal loan is reliable. Relevant information shows that Sunshine Insurance loan is formal. Sunshine insurance loan refers to the policy loan of Sunshine Insurance Company, which is a loan model recognized by the regulatory authorities, so it is more reliable.
Is sunshine credit loan reliable?
Sunshine credit is reliable.
Sunshine credit means that banks put the whole process of customer's loan investigation, credit granting, pricing, operation process and public commitment service under the effective supervision of the public and banks.
Except for one thousandth of accident insurance, everything else is illegal. So people who don't know will be more painful. There should be many people who think that the interest rate is high and the basic interest rate of unsecured credit loan companies is the same.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
So much for the reliable introduction of Sunshine Loan.