A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
What are the regular consumer finance loan companies? Look at these five
A consumer finance company refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission and holding a formal license. The maximum loan amount granted to an individual does not exceed 200,000 yuan, and the loan funds can only be used for daily consumption purposes, and may not be used for car purchase, house purchase, investment, etc. So, what are the regular consumer finance loan companies? Let's take a look together.
What are the regular consumer finance loan companies?
1, Zhaolian Consumer Finance
Established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking Regulatory Commission, the registered address is located in Shenzhen with a registered capital of 654.38+0 billion yuan. Its good-term loan products have a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.
2. Consumer Finance of Hangzhou Bank
With Hangzhou Bank as the main sponsor and approved by China Banking Regulatory Commission, it is also the first consumer finance company in Zhejiang Province with a registered capital of 1 100 million yuan. Its exclusive light loan products can borrow up to 200,000 yuan, with daily interest and the lowest annualized interest rate.
3. Consumer Finance in Yin Chang
Established by Changan Bank, Huitong Leasing and Yide Sean, among which Changan Bank is the 6th consumer finance company in China and the first officially licensed consumer finance company in Northwest China, with the maximum loan amount not exceeding 200,000 and the annual interest rate ranging from19.88% to 23.88%.
4. BOC Consumer Finance
It is a comprehensive operating company under the Bank of China. Approved by China Banking Regulatory Commission, it was established on June 20 10. It is also the first consumer finance company in Shanghai. Its new easy-to-borrow credit consumer loan product has a maximum loan amount of 200,000 yuan, and the annualized interest rate is between simple interest and transparent fee.
5. China Postal Consumer Finance
Established by seven well-known enterprises, including China Postal Savings Bank, and approved by China Banking Regulatory Commission, it is headquartered in Guangzhou with a registered capital of 3 billion yuan. A variety of loan products, such as revolving loan, extremely fast loan, owner loan and postal savings loan, were launched, with a maximum loan of 200,000, the maximum repayment in 24 installments and the lowest annualized interest rate.
The above is about "which formal consumer finance loan companies are there?" I hope I can help you.
Who are the companies in the financial industry?
1, Lexin Group
Lexin Group was established in August 20 13, and it has a number of businesses, among which P2P business is managed by Orange Finance. The main business includes: Internet wealth management brand orange wealth management, high-quality installment shopping platform installment music mall, financial assets open platform heyday assets and so on.
The current share price of Lexin Group is $65,438 +06.8 1, with a total market value of $2.409 billion. It was listed on NASDAQ on February 2 1 Thursday, US Eastern Time, with a financing of10.2 billion US dollars.
2. Dianniu Finance
The main body of Dianniu Financial Camp is Shanghai Dianniu Internet Financial Information Service Co., Ltd., which is headquartered in Shanghai and was established on 20 15 1 1.
It is a new type of Internet financial information service application. Dianniu Finance is a platform focusing on the deposit and management of capital banks, focusing on the car loan market and relying on the core technology of intelligent risk control. Its operating platform is Dianniu Finance. American stock code: DNJR, with a share price of $4.600 and a total market value of $66.93 million.
Step 3 rent a shot
Paipai Loan is the first online credit lending platform in China, which was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd.", which is headquartered in Shanghai and is one of the largest online credit lending platforms in China. Auction loan is listed on new york Stock Exchange. Its current share price is $7.33, and its total market value is $2.405 billion.
4. Jin Rong Institute
Jin Rong is a P2P platform under Shenzhen Jin Rong Capital Management Group Co., Ltd., headquartered in Futian District, Shenzhen, and is committed to providing safe and effective loan services for small and medium-sized enterprises with capital needs. Jin Rong's business includes risk control, data approval, peer-to-peer lending and credit guarantee, forming a one-stop financial service platform.
5. Preferential loans
Pleasant Loan was launched by CreditEase on 20 12, and was successfully listed on the New York Stock Exchange on February 20 18 15 with the stock code YRD. Yirendai is committed to providing efficient and convenient personal credit loans and lending services through the Internet, big data and other scientific and technological means. The current share price of Pleasant Loan is $38.590, with a total market value of $2.308 billion.