First, good news, is it legal for you to lend me money?
Platform background introduction
Founded in June, 20 1 1, Niwodai is a pure third-party online credit investment and financing service platform with a registered capital of 1 billion yuan, listed on the New Third Board (stock code 83203 1), and independently built and operated by Shanghai Jiayin Financial Services Co., Ltd.
As a third-party service platform, you and I don't absorb deposits or lend money, aiming at establishing efficient, transparent, safe and convenient internet financial services for small and micro enterprises and individuals with financing and investment needs.
Financial management projects: each with its own characteristics
Your loan financing projects are divided into four categories: Youdao Zhitou, Novice Zone, New Bid Zone and Transfer Zone, among which Youdao Zhitou is divided into Sheng, Jifeng, Shuangji Win and Jiabao.
It is understood that the term of your loan platform project is above 1 year, and the liquidity of investors will be relatively poor. The annualized income of 8~ 1 1% is moderate, which is very suitable for long-term investors.
Risk control measures: the core competitiveness of your loan.
The interlocking risk control system established before, during and after your loan is the core competitiveness of your loan. You and I review loans at different levels to screen high-quality borrowers; Multi-channel system audit, self-created personal credit risk analysis system, standardized audit workflow and experienced loan audit team; There is also a professional post-loan management team and collection process.
Security: Bank Depository+Principal Protection Plan
How about you borrow a sum from me? You and I set up a principal guarantee plan, with a total risk guarantee fund of more than 200 million yuan, which is managed in the special account of hengfeng bank (Beijing Branch), and you and I disclose it in official website every month.
In addition, you and I launched the hengfeng bank Fund Depository System, which realized the separation of user funds from the platform, and the user funds were secure and relatively reliable.
Second, how often does loans overdue get credit?
The term of each bank is different, some have no grace period, some have 3 days, 5 days, 7 days, and some can even be as long as 10 days. Therefore, loans overdue should know the situation clearly from the loan bank in advance.
Tolerance refers to the tolerance of repayment amount, which means that the bank will give a minimum repayment amount. As long as your unpaid amount is less than the specified value, the bank will not pursue it, and the remaining unpaid amount will be transferred to next month's repayment bill. Generally, banks' tolerance for arrears is 10 yuan, and some loans should be repaid 1%. If your unpaid amount is less than this amount, you will not report it no matter how many days it is overdue.
To sum up, Jiayin Lending is a third-party financing platform, a company in Shanghai, which is more formal and reliable. Its financial management projects have their own characteristics, and the risk control measures are also better. It has triple auditing and is a professional team with a collection process. The platform adopts bank depository and principal guarantee plan, which also ensures the safety of users. The question of how long the meeting is overdue depends on the specific bank, and so does the tolerance. Some can be postponed, and some can't, which need to be understood in detail.