1, judging from the company's qualifications.
It's more formal to take a loan.
The reason is:
(1) Company business license, filing information, corporate shareholders information, etc. All of them are clearly publicized in official website and can be confirmed through national channels.
(2) Paipai Loan was successfully listed on NYSE on 20 17. Since it can be successfully listed, it shows that the auction loan is still relatively formal.
2. From the perspective of interest charges.
Auction loans are more open and transparent.
Specifically:
(1) The comprehensive annualized interest rate of the auction loan ranges from 7% to 24%. Within the scope permitted by laws and regulations, the comprehensive annualized cost already includes interest and various expenses.
(2) Auction loans support prepayment. If the loan is paid off in advance in one lump sum, the loan interest will be calculated to the repayment period, and no interest will be charged for the remaining installments, but the loan fee will not be reduced.
3. From the perspective of information security
Auction and loan are more protective.
The reason is:
(1) The "User Privacy Policy" is clearly given in official website, which shows the importance attached to the protection of users' personal information and privacy.
(2) Only the bank card under the borrower's own name can be bound, and the loan information of the auction should be consistent with the bank information, and the whole process should be encrypted to protect the user's private information and account security.
4. From the perspective of docking credit information.
To apply for a loan, you need to authorize a credit inquiry.
Specifically:
(1) All financial institutions that cooperate with the auction of loans are officially licensed, and it is necessary to judge the loan risk by querying the credit information of users, and at the same time, they are obliged to truthfully report the user's usage to the credit information system of the central bank.
(2) The time for reporting the usage to the central bank is generally T 1 (working day) after the repayment date, but each institution will be different, and some institutions will report at the beginning of the month or in the middle of the month, depending on the actual situation.
Second, is the auction loan a regular company?
Shanghai is a regular company.
Pat loan company introduction:
Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd." and its headquarters is located in Shanghai. It is the first pure credit and unsecured peer-to-peer lending platform in China, and the first Internet finance (ITFIN) platform approved by the industrial and commercial departments to obtain the qualification of "financial information service". In addition to ordinary investment projects, it also provides users with two wealth management products, Pat Joker and Rainbow Plan, which are convenient for users to use. More than 2,600 employees.
By the end of 20 16, the number of registered users reached 326 1000, making it one of the largest online credit lending platforms in China. Compared with other online credit platforms in China, the biggest feature of the auction loan is the pure online mode operation. The platform itself does not participate in lending, but realizes functions such as information matching, tool support and service. The borrower's loan interest rate is set by himself under the limit of the highest interest rate. This is also the most primitive operation mode of online lending platform.
Auction loan management team:
Zhang Jun (CEO)
He graduated from Shanghai Jiaotong University with a bachelor's degree in communication engineering and a master's degree in industrial engineering, and passed the CFAProgram Level 2 exam. He has served as senior account manager and senior operation manager in Microsoft Global Technology Center and Shanghai Weichuang Software Co., Ltd.. Zhang Jun has unique insights and practical experience in business model innovation, credit evaluation model and risk management system construction of online credit, and has rich experience in enterprise management and operation.
Hu Honghui (President)
He graduated from School of Management of Shanghai Jiaotong University and School of Economics of Fudan University with bachelor's and master's degrees in economics. I have worked in the Credit Department of Industrial and Commercial Bank of China, participated in many key financing projects, and have rich experience in banking market business. Hu Honghui is qualified as a lawyer. He has worked as a lawyer and senior partner in a well-known domestic law firm and has been engaged in financial-related legal work for a long time.
Third, help netizens ask, is it true to pat the loan? Please make an objective evaluation.
That must be true. I don't understand why the online loan market is always cleaned up. If it's not true, can it still exist now? Even if it exists by luck, dare it be so big? Auction loan is a genuine financial technology company, and it is no problem properly.
Fourth, is it true to pat on the loan?
Hello, it's true. This platform is a formal loan platform and can be used with confidence.
For staging, you need to fill in personal information, and personal information must be true. Then you can apply for an order and wait for approval. After approval, a loan contract needs to be signed. After signing your order, the order will be generated. The money will be transferred to your reserved bank card on the same day or the next day, so you can check it in time. In this way, the whole process of your loan is completed.
I hope I can help you.