It's not cost-effective, but whether you can use loans to solve your practical problems. If the problem is solved, everything will be worth it. If you don't solve the problem, even if you don't want interest, you will feel lost. Because I have to think about paying back money every day. As long as it's more. Money was badly needed at that time, and the interest was not calculated in detail. Now I think this interest is really high. Is this interest reasonable? Is it within the scope permitted by national laws?
If you have money, you can pay it off in one lump sum without interest.
2. Is Sunshine Credit a formal company?
This is a regular company.
1. Sunshine Credit means that banks put the whole process of customer's loan investigation, credit granting, pricing, operation process and public commitment service under the effective supervision of the public and banks;
2. Let customers know about the bank's loan process, and at the same time let the bank know about the customer's operating conditions;
3. A brand-new loan method to enhance the mutual trust between banks and customers;
4. Make public the basic information of service content and improve service facilities;
5. Establish a duty system and employ social supervisors;
6. Establish a reporting reward mechanism and a punishment mechanism.
3. I took a loan of 40,000 yuan at Sunshine Credit, which was repaid in thirty-six installments, and the interest of 2 and 28 was repaid in three months. ...
About 60 thousand
For example, I spent 40 thousand in 36 installments. How much do I need to pay back a month?
If it is interest-free installment, then one month is 40000/36 =111.1/yuan. If it is a guarantee fee, then the guarantee fee is also divided by 36 together with the principal. Don't be overdue after the loan. If it is overdue, it will be reported by the credit bureau, and the consequences will be more serious. What will happen if the credit card is overdue? If it reaches a very serious state, it will constitute a malicious overdraft and will be convicted of credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, less than 5 years of dissatisfaction with 10 year, or more than 10 year, and a fine of 20,000 yuan to 200,000 yuan, 50,000 yuan to 500,000 yuan or confiscation of property. If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using credit cards. If it's not serious, you can still apply for a bank loan in theory. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.