1. Hubei consumer finance was established with the approval of China Banking Regulatory Commission. Hubei Bank Co., Ltd., Xinjiang Teyi Digital Information Technology Co., Ltd., Beijing Yuxin Technology Group Co., Ltd., TCL Technology Group Co., Ltd., Wande Information Technology Co., Ltd., Wuhan Shanglian (Group) Co., Ltd. and Wuhan Wu Shang Group Co., Ltd. are national consumer finance companies.
2. The loan products of Hubei consumer finance mainly include revolving loan, elite loan, happy loan and Leju loan. The product introduction is as follows:
1 elite loan: elite loan is granted to eligible salaried personnel with an annual interest rate of about 10%-24%. Applicants are required to be at the age of 18-65, and have a good credit record and provident fund.
Leju loan: the maximum loan for husband and wife is 400,000 yuan, and the annual interest rate is 12%-20%. Applicants are required to be between 18-65 years old, have a good credit record and hold mortgaged real estate.
Enjoy the loan: for eligible self-employed and farmers, enjoy the loan with an annual interest rate of about 9%-24%. Applicants are required to be between 18-65 years old, with good credit record and business license.
Revolving loan: Revolving loan is a one-time credit revolving loan product with a maximum loan amount of 200,000 yuan and an annualized interest rate of about 8%-24%. Applicants are required to be between 18-65 years old and have a good credit record.
3. Hubei Consumer Finance Company can provide personal consumption loans for China residents. Borrowers can apply for Hubei consumer finance loan products through "Xibao" APP, "APP" or "Hubei Consumer Finance Company" WeChat official account.
4. For the company's services, it is best to feel offline to see if it meets your own requirements.
Problems needing attention in loan
(1) Consumer loans need to be handled by formal lending institutions;
(2) When applying for consumer loans, we should carefully consider the issue of interest expenses and beware of charging various service fees indiscriminately;
(3) Pay attention to the repayment method and try not to prepay. Early repayment can not only reduce the burden, but may cause greater losses;
(4) Interest collection method It should be noted that the interest algorithm should be that with the increase of repayment amount and the decrease of the principal owed, the interest will gradually decrease.