Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Weizhong Bank for WeChat users and mobile QQ users.
As an Internet banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:
(1) Unsecured and unsecured;
Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of individual users with good credit.
(2) Borrow and repay, and there is no handling fee for prepayment;
Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities.
What is microfinance?
Micro-loan is a personal micro-credit loan for WeChat and QQ users launched by Tencent Weizhong Bank. The total amount of personal loans ranges from 5 million to 200,000 yuan, with a maximum loan of 40,000 yuan and a daily interest of 20,000 to 50,000 yuan. Micro-loan is an invitation form, which is only open to some users. Invited users can see the micro-loan entrance in QQ wallet and WeChat wallet.
: 1. Microfinance is an Internet banking loan product launched by Weizhong Bank. Users with micro-loans can borrow up to 300,000 yuan from micro-loans. Weizhong Bank is a subsidiary of Tencent, and its background is quite large. Micro-loan is an unsecured and unsecured loan product, which can only be used if the user's credit is good and other conditions are met. In addition, the micro-loan adopts the user invitation system, and only those who are invited can use it. Micro-loan provides 724-hour online service, with convenient and efficient procedures. The loan can only be completed by mobile phone. At present, you can also apply for small loans on mobile QQ.
2. Not everyone can experience this product at present. Now this product is just "inviting customers to experience through the Q platform", that is, it is still in the internal testing stage. If it is an approved customer, as long as any bank card is bound on QQ, the credit limit granted by Weizhong to the customer can be displayed, and the real-time and rapid account arrival can be completed. Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.
3. The micro-loan on WeChat is reliable because it is a product of Tencent and the first online micro-loan revolving consumer loan product for WeChat users and QQ users launched by Weizhong Bank, a domestic internet bank. Now is the internet age, and the credibility of this product is still very high. After all, the backstage is supported by a big company like Tencent. And established a cooperative relationship with 25 financial institutions in joint loan business, sharing benefits and risks. Since it was officially launched, there have been more than 98 million micro-credit loans, and more users can see its high credibility.
What is microfinance?
Micro-loan is a formal platform, which is a micro-credit loan launched by Internet Online Banking and Tencent Weizhong Bank for their own customer groups. However, at present, the user invitation system is adopted, and only invited users can use it. In WeChat software, we can find the entrance of micro-credit loans. If users need loans, they can upload their own information and apply for micro-credit loans, which is also very convenient. Internet provides great convenience for our life and money, so we can also borrow money through online banking.
1. Microfinance is a lending product of banks.
Different from other forms of loans, general small consumer loans are products issued by some lending institutions, but small loans belong to bank lending products. Micro-loan is a formal peer-to-peer loan receipt, which was launched by Weizhong Bank. I believe many people know Weizhong Bank, which is an internet private bank in China.
Second, microfinance is a product.
Micro-loan is a new product launched by Weizhong Bank. If there is overdue repayment, Weizhong Bank will upload personal overdue records to a traveler's credit information system, so users must repay in full and on time even if they use micro-loans. Only in this way can we ensure our good credit information and solve other credit problems normally in the future.
Third, the interest rate of the micro-loan chain key stool.
People who use loans are more concerned about the interest rate of loans, which affects our interest expenses. Small loans are calculated on a daily basis, and the daily interest rate is 0.05%. That is to say, using 1 10,000 yuan a day will generate interest in 5 yuan, which is still very high compared with the bank's benchmark interest rate of 4.9%. Micro-loan is a little convenient, but the disadvantage is that the interest rate is relatively high, so we must consider it carefully when choosing micro-loan. After all, this interest rate is much higher than the benchmark loan interest rate.
What is the introduction of particle loan? Let's stop here.