During the telephone audit, I asked you where you learned about Oriental Loan.
Just say that you saw it on Oriental Fortune Network or Tian Tian Fund Network.
Don't ask me about the effect. All I know is that I have a quota, but he doesn't.
2. Description of the lending business of Oriental Bank?
"Fingertip Loan" is a pure credit online loan product innovatively launched by Dongfang Rural Commercial Bank, which takes on-the-job staff as the main service group and aims to help upgrade consumption.
By using big data integration analysis, face recognition and electronic signature technology, this product realizes second-speed approval, and the loan can be completed within 1 minute at the earliest. With the advantages of convenience, quickness and flexible repayment methods, it quickly won the favor of financial consumers, and solved the public's financing problem for 24 hours with zero contact and rapid lending during the epidemic prevention and control period.
3. Is it possible to apply for the approval of the next payment in Oriental Silver Valley for the second time?
As long as you don't make mistakes when answering the phone, it will be all right soon.
4. Is it easy to review the Oriental loan?
Mainly depends on personal credit, repayment ability and debt. If the personal information is good, the review of the loan will be quick. Oriental Loan is a loan APP operated by Shanghai Xuhui Oriental Wealth Co., Ltd., which provides loan services to individual consumers. 1. There are several reasons for the failure of loan review: poor personal credit information. Personal credit information is the primary standard of bank loans. Especially for bank credit loans, the borrower's credit requirements are higher, and the borrower's credit information is slightly flawed, which easily leads to the failure of bank loan approval. In addition to the requirements for borrowers, bank mortgage loans also have certain requirements for collateral. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform will first review and evaluate the borrower's repayment ability. A large part of the reason for the failure of bank loan application is that the borrower's personal income level can't reach the repayment quota, or the borrower has not paid off several loans at present, and the credit situation can't meet the repayment requirements, so the probability of application approval is very small. Personal debt ratio is too high. Generally speaking, in addition to not having a stable job, the reason for the failure of handling bank loans is that the borrower's personal debt ratio is too high. How to judge personal debt ratio? Under normal circumstances, the bank's assessment standard for the debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, banks will refuse to lend. 2. What are the repayment methods of loans: equal repayment of principal and interest. Matching principal and interest repayment is not only a popular repayment method at present, but also a repayment method recommended by banks. The borrower repays the loan principal and interest in equal amount every month, that is, the total amount of loan principal and interest is added up and evenly distributed to each month of the repayment period. Repay the principal in equal amount. At present, banks also generally adopt the repayment method of average capital. This repayment method is suitable for people with high income but expected to reduce their income in the future. One-time repayment of principal and interest. One-time repayment of principal and interest actually refers to the way of early repayment. The bank stipulates that if the loan term is less than one year (including one year), the principal and interest will be repaid at maturity, and the interest will follow the principal and interest. Pay interest and principal on schedule. If the buyer chooses to repay the principal and interest on schedule, the borrower needs to negotiate with the bank to formulate different repayment time units to repay the loan principal and interest. First of all, the loan requires that the borrower's credit information is in good condition and can meet the requirements of financial institutions. If the borrower wants to apply for a loan, financial institutions have clear requirements for the borrower's credit reporting, and the quality of credit reporting has a great impact on loan repayment. (running environment: ipad 9th generation 15. 1 dongfang loan 8.5.0)