Friend Loan is a P2P platform in Guangdong, which belongs to Yu Financial Group. Haoyou Loan was officially put into operation in April 20 14, and has been in normal operation for four years. Official website shows that Haoyou Loan has reached a fund depository cooperation with Wangxin Bank and put it into bank depository. Both investment users and loan users have a separate bank transaction password, which is managed by the bank in a unified way, and the fund transaction is also executed by the bank authorized by the user.
If users who need to borrow money want to know about good loans, they can go directly to official website for details.
Is the friend loan company compliant?
According to the requirements of current financial rectification, for compliance rectification, friend loan as a member of P2P is currently in progress. By the end of 2065438+September 2008, Trust-Mart official website had completed 95% of the compliance rectification progress. Access to bank depository as required, and disclose relevant platform information. The products on sale also meet the compliance requirements. At present, its grade protection evaluation has been completed, and relevant certificates have been handled after filing. Financial filing has also been submitted to relevant departments and is currently under review.
How about a good loan
The historical wealth management products with good loans are regularly bid at random, the investment period is basically between 1-24 months, and the historically expected annualized rate of return is 6.00%- 18.00%.
In view of the borrower's good loan, two kinds of loans, Le installment loan and Yangcheng loan, were launched. Music installment is a loan for individuals aged 18-55. Borrowers only need to provide ID card, education information, work information and bank information to apply for loans. Yangcheng loan is a personal loan limited to the administrative area of Guangzhou, which requires the lender to provide physical mortgages such as cars, real estate and goods, and the loan interest is generally between 12%- 18%.
Do you have a credit report?
Any overdue loan will be punished. After all, he broke his promise. Good loans overdue will not directly enter the credit information system of the People's Bank of China, but it does not mean that your overdue records will not be found when banks or financial institutions lend money in the future.
Ok, loans overdue, the borrower will bear the penalty interest, and other lending institutions will find overdue records in the future, which will affect other loans. If the loan is seriously overdue, the friend loan will protect its rights and interests through legal proceedings. If it is a mortgage loan, Haoyou Loan will recover the loss by auctioning the collateral. Therefore, overdue loans are not worth the loss, and borrowers must repay on time.