Which platform is Zhenxianghua on?

Zhenxianghua is a loan product operated by Beijing Zhongxin Limin Information Technology Co., Ltd., and it is also a new product that was launched last year. It is somewhat similar to shaking money, and it also belongs to a credit product jointly launched by Shanghai Bank, so I can tell you for sure that shaking money is absolutely formal and reliable.

At present, the maximum amount of application for opening an account is 80,000 yuan, and the longest service period can reach 12 months. When applying, you can log in directly with your previous credit wallet account, because the information between them is shared.

In terms of interest, taking 12 months as an example, the total interest for repayment at maturity is above 500 yuan, and the specific interest rate is subject to the actual APP display at the time of borrowing.

Personal suggestion: its approval speed is also relatively fast, the whole process is automatically approved by the system, and there is no manual telephone call back. Submitting before 17 is the approval result of the day, and submitting after 17 is the approval result of 9: 00 the next day. After approval, it can be collected on the day of withdrawal.

The main target group is users aged 20-50 with real-name registration mobile phone numbers and good personal credit information.

Online lending needs to pay attention to the following points:

1. Whether the loan platform has been approved by the CBRC and whether it holds a financial license. If it is a small loan platform without a financial license, it is generally informal, and customers had better avoid it to prevent loan fraudsters from falling into loan scams.

2. What is the loan interest rate of the platform? Is it very high? If the loan interest rate is too high, beware of usury (the Supreme People's Court stipulates that the annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR).

3. Does the platform require customers to pay money in the name of deposit, unfreezing money, etc. Before the loan arrives? We should know that all formal licensed consumer financial institutions generally do not charge any upfront fees before issuing loans.

4. Whether to provide a private account number when repaying, and ask the customer to return the private account. The customer should beware of the other party's "absconding with money".

5. If you borrow it once, you can't borrow it again, and directly "routine" the customer.

6. Whether to intentionally close the repayment channel to make the customer overdue, so as to charge overdue fees.