China Bank's consumer finance is reliable.
BOC Consumer Finance is a subsidiary of Bank of China, and BOC Consumer Finance is a licensed online lending platform under the four major state-owned banks. BOC Consumer Finance is a consumer finance company, which may have multiple loan platforms, so BOC Consumer Finance itself is not a loan platform. BOC Consumer Finance can provide small consumer loans in China, and the loan platform usually refers to a loan product, such as Lexiang Loan and Hospitality Loan under BOC Consumer Finance.
The maximum loan amount of BOC Consumer Finance Lexiang Loan is 200,000 yuan, and the collateral is real estate, so the loan amount will be determined according to the appraised value of the house. The higher the evaluation value, the greater the credit line.
The consumer finance interest of China Bank is as follows:
1. The annual interest rate range of "BOC Consumer Easy Loan-Lexiang Loan" is 12%-24%.
2. The annual interest rate range of "Xinyi Loan-Owner Loan" loan is 15.5%~24%.
3. The annual interest rate range of "Xinyi Loan-Salary Loan" loan is 1 1.5%~20%.
4. The annual interest rate range of "Xinyi Loan-Policy Loan" loan is 15.5%~24%.
Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online microfinance platform inventory, users who want to apply for loans should not miss it!
1, money to spend
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to the central bank's credit information system.
Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it.
Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Anyone who has to pay various fees before the loan will pay attention.
Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.
Is BOC Consumer China Silver Company? Borrowed 200,000 yuan, handling fee 1.3 million yuan, and paid back more than 36,000 yuan. The result is 1, 9 1, 000 yuan.
BOC Consumer Finance Co., Ltd. (hereinafter referred to as BOC Consumer Finance) was established on 20 10 and is headquartered in Shanghai. It is a licensed consumer finance company approved by China Banking Regulatory Commission and a subsidiary of Bank of China Limited (hereinafter referred to as Bank of China). Committed to becoming the leading integrated service provider of consumer finance in China, and constantly promoting the construction and development of consumer finance industry in China.
Customer service hotline of BOC: 95 137 (working hours: 8: 00-23: 00). If you have any questions, please contact us.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Is BOC Consumer Finance a subsidiary of Bank of China? Could it be a fraud company?
The company of China Bank is a subsidiary of China Bank, not a fraud company, but a financial consumption company specially established by China Bank, which can be trusted.
1. BOC Consumer Finance is a consumer finance company established by Bank of China and has a formal consumer finance license. Therefore, BOC's consumer finance strength is very strong, and it has basically not closed down. There are a large number of loan products in consumer finance of China Bank, including credit loans, mortgage loans and so on. You can cash out, shop, learn English, rent a house, learn to drive, get married and so on through BOC consumer finance. At present, the maximum loan amount of BOC Consumer Finance can reach 200,000 yuan, and people aged 65,438+08-60 can find their own loan products.
2. Business scope: granting personal consumption loans; Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders; Borrowing from domestic financial institutions; Issuing financial bonds upon approval; Domestic interbank lending; Consulting and agency business related to consumer finance; Acting as an agent to sell insurance products related to consumer loans; Fixed income securities investment business; Other businesses approved by the CBRC.
3. Personal consumer credit products of BOC Consumer Finance are operated by BOC Consumer Finance Co., Ltd., and they are actually familiar with hospitality loans. In the past, it was also an application portal opened in the official WeChat account of China Bank, including many white-listed users who had received SMS applications for hospitality loans invited by China Bank. Recently, this product is very popular in the next paragraph of the market and in the circle of friends of the intermediary.
1. At present, BOC Consumer Finance has launched an app, Hospitality Loan. The maximum application amount is 654.38 million yuan, and the longest service period is 12 months. Personal identity authentication and video authentication are provided when applying, and other basic personal information is enough. The age range of open application is 20-60 years old.
2. In fact, the reason why the intermediary speculates that it can apply for a bank card in China is because the collection card bound by the hospitality loan at the time of application must be the savings card of China Bank, and the open user group is also the user group holding the savings card of China Bank. These two days have been heated in the circle of friends, and there are indeed many products with feedback from the next case. According to the feedback from the users who submitted the application for the new Easy Loan hospitality loan in the last two days,
3. After the entertainment loan is submitted for review, the whole process belongs to the system approval, and there is no telephone call back. Generally, the time from 8: 00 a.m. to 22: 00 p.m. to submit the approval results is very fast, and the withdrawal after approval is basically seconds. In terms of interest, it is basically consistent with the loan interest of BOC's consumer financial products before, and the comprehensive daily interest rate is around 0.05%.
What is China Bank Consumer Finance Company?
BOC Consumer Finance Co., Ltd. was established on 20 10, and its headquarters is in Shanghai. It is a licensed consumer finance company approved by China Banking Regulatory Commission, and a subsidiary of Bank of China Limited. It is committed to becoming a leading integrated consumer finance service provider in China and constantly promoting the construction and development of consumer finance industry in China.
After the capital increase and share expansion of 20 15, the company made full use of the rich experience and quality resources of six well-known shareholders, namely Bank of China, An Baili Group, Lujiazui Financial Development Co., Ltd., Bank of Hong Kong, Bode Innovation and Sequoia Capital, to provide consumers with professional, convenient and flexible consumer financial products and services.
After nearly eight years of steady development, adhering to the business philosophy of "responsibility, integrity, professionalism, innovation, stability and performance", BOC Consumer Finance adheres to the technology-led, innovation-driven and realistic transformation, and has carried out a series of fruitful work in strategic management, risk control, product research and development, business development, channel construction, internal management, corporate governance, cultural construction and social responsibility. Up to now, the company has set up first-class regional centers in 32 provinces, municipalities and autonomous regions (including municipalities directly under the Central Government). inclusive finance covers more than 300 cities across the country, with more than 1000 cooperative merchants and outlets, and has provided consumer financing services to millions of customers.
In the future, standing in the wave of the new era and facing the challenge of new opportunities, BOC's consumer finance will start a new journey, taking serving the country as the guiding ideology, helping the development of the real economy as the starting point, taking "digitalization, intelligence and scene" as the main line, and taking the path of transformation and innovation as the path, constantly creating * * * enjoyment value for customers, shareholders, employees, industries and society, and building itself into a first-class consumer finance company in the new era.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.