Dianrong was established on 20 12, which is an internet financial information intermediary service platform, allowing individuals and enterprises to invest, finance and handle loan business through Dianrong platform.
Platform data disclosure: As of today, it has been operating normally for more than 5 years, and the accumulated loan amount is 52.7 billion; According to the introduction of the platform pipe network, Dianrong reached a fund deposit agreement with Shanghai Bank, through which the user's funds were managed separately from the platform's own amount; Dianrong has a strict risk control management system and a special credit risk department, which will check and review the loan projects at different levels and also conduct on-site visits. Dianrong and Zhonghe Guarantee reached a cooperation and launched a "third-party risk protection plan" to ensure the safety of users' funds.
Dianrong online loan
Point melting. Com has a wealth of loan products, which can meet the needs of borrowers. Dianrong.com has customized different loan schemes for borrowers with different conditions. At present, the loan products of Dianrong.com are mainly divided into three categories: personal loans, commercial loans and consumer finance.
Personal loans can get a maximum loan amount of 200,000 yuan. Users who need personal loans can pay attention to the official account of "Dianrong Loan" WeChat to apply for loans.
At present, personal loan products are: excellent salary belt: for people with stable jobs and high incomes; Excellent car loan: only those who have a car can apply; Life insurance loans: people with insurance policies apply for loans with insurance policies; Double gold loan: only those who pay social security and provident fund regularly every month can apply; New expensive loan: only employees in professional fields and high-quality enterprises can apply; Owner's loan: a loan product specially designed for business owners with mortgages.
At present, the interest of point financing platform is divided by interval, and the interest rate is 3.96% to 23.99%. The division is based on the borrower's loan amount and the borrower's personal qualifications. The higher the borrower's credit rating, the lower the default rate and the lower the loan interest rate. When handling a loan in Dianrong.com, the borrower has to pay an examination and approval fee and a management fee in addition to interest, and the examination and approval fee generally does not exceed 65,438+06.43%/year of the loan amount; The management fee shall not exceed the loan amount 1.05%/ month.
The borrower needs to repay the loan on time. At present, there is a grace period for borrowers to repay, which is generally 4 days. If the repayment is useless beyond the grace period, an overdue fee will be charged, which will be counted as overdue from the date of overdue repayment, and calculated at one thousandth of the total overdue principal and interest every day.