I. Business scope of Hengyi Loan:
Technical development, technology transfer, technical consultation, technical service and technical training of computer software and hardware; Computer system integration; Data processing; Conference services; Sales of self-developed software products; Designing, producing, displaying and publishing advertisements; Business consulting, economic information consulting, enterprise management consulting, economic and trade consulting (except intermediary); Information service (no financial service business without permission); Investment business information consultation (except intermediary); Entrusted by financial institutions to engage in financial information technology outsourcing. (Enterprises choose their own business projects and carry out business activities according to law; Projects that must be approved according to law shall, after being approved by the relevant departments, carry out business activities in accordance with the approved contents; Shall not engage in business activities of projects prohibited and restricted by the industrial policies of this Municipality.
Second, repayment methods suitable for four types of customers:
1. installment repayment, for young people, because they just started working, they spend more and have less capital reserves. With the increase of working years, the income and capital reserve of young people can be improved. Therefore, the installment repayment method is more suitable for young people's repayment habits and consumption habits.
2. Average capital repayment method, that is, during the repayment period, the total loan amount is divided into equal parts, and the equal principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly principal repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.
3. Matching principal and interest repayment method: Matching principal and interest refers to repaying the same amount of loans (including principal and interest) every month during the repayment period. Because the repayment amount is fixed, it is suitable for people with stable income, ensuring normal life, repaying loans on time and maintaining personal credit.
4. One-time repayment of principal and interest, that is, one-time repayment of all loan principal and interest on the loan maturity date. Generally speaking, this repayment method is more suitable for people with high income and certain strength, because one-time repayment of principal and interest can not only reduce the repayment pressure, but also enhance the reputation of individuals and enterprises.
Recently, due to complaints from many borrowers, Hengyi Loan has once again become the focus of attention in the industry. It is understood that the complaints about Hengyi Loan mainly involve charging high service fees and beheading interest, high comprehensive cost of borrowing, violence in collection, and failure to show the annualized interest rate to borrowers in an obvious way.