Shanghai Pudong Development Bank's integral loan is a business model in which Shanghai Pudong Development Bank accepts and contracts eligible customers online through the Internet and issues loans immediately. Customers must have a savings card of Shanghai Pudong Development Bank and open the online banking function before they can apply. It is a very formal loan product. If you want to borrow from banks, you can choose some joint-stock commercial banks other than the top five state-owned banks in China. Relatively speaking, these joint-stock commercial banks have lower requirements for applying for loans, and the review of loans is not so strict. It is very good for friends with poor personal qualifications to choose these bank loans. The point loan of Shanghai Pudong Development Bank is a relatively formal loan product. The personal loan product that Shanghai Pudong Development Bank applied for online is called Puyin Point Loan. Point loan is a business model of Shanghai Pudong Development Bank for online acceptance, online contract signing and instant loan issuance for eligible customers through the Internet. Puyin integral loan is a pure credit loan product, which can be applied in real time, approved in real time and lent in real time. The whole process from application to loan collection is completed in 3-5 minutes. Whether Puyin point loan is reliable According to the relevant staff of Shanghai Pudong Development Bank, Puyin point loan is based on the integrated application of big data and establishes four major operating mechanisms including online automatic operation. Big data and scenario-based applications have become the basis of risk control. First, relying on the customer data accumulated by Shanghai Pudong Development Bank for many years, especially the post-loan behavior data, and using advanced modeling techniques and tools, an accurate scoring model and strategic rules have been developed to realize online automatic approval; Second, by gradually exploring customers, collecting enough data on consumer credit repayment, constantly improving the risk control model and regularly optimizing the strategy; The third is to improve the authenticity of loan use through the application of specific consumption scenarios and strict cooperation channel access; The fourth is to establish a strict post-loan monitoring and early warning management mechanism to effectively control the quality of loan assets while maintaining rapid business development. For this kind of personal online consumer loan products, whether it is reliable or not needs the test of market and time, the feedback of user experience and data. But for the public, there will be more and more consumer loan products from banks. If you have more choices, you can consult more and compare more, and make loans according to your actual situation.
Second, does the integral loan of Shanghai Pudong Development Bank belong to the bank?
This should be a consumer loan product of Shanghai Pudong Development Bank. Generally, teammates hold customers with Shanghai Pudong Development Bank credit cards. Carry out a second excavation. Interest is relatively low, but it belongs to consumer loans and is not allowed to enter the stock market and real estate.
3. Why can the loan transfer of Shanghai Pudong Development Bank only be transferred to someone else's account?
Because it is an account.
1. If the binding card is a Class I card, it must be transferred to the "Inter-bank Non-self" account;
2. Binding card refers to an "inter-bank unbound card" account or an "inter-bank bound card" account with the same name.
You can try the following methods:
1. After the online integral loan of "Puyin Integral Loan" of mobile banking is distributed to the new integral loan account under the first or second account selected by the customer when applying, the customer can use the function of "integral loan transfer" to make loans according to personal credit information, provident fund, social security and personal tax information. Interest shall be calculated on a daily basis and repaid in advance. As the payment is made to the savings card of Shanghai Pudong Development Bank, the user who applies for the integral loan of Shanghai Pudong Development Bank must have a savings account of Shanghai Pudong Development Bank.
Second, consumer loans, also known as "consumer loans", are loans issued to consumers for purchasing durable consumer goods or paying various fees. Long-term loans issued by industries or other institutions and organizations generally do not provide subsidies for personal consumption expenses.
4. What's the difference between Shanghai Pudong Development Bank and provident fund?
Puyin Integral Loan is a personal consumption loan product created by Shanghai Pudong Development Bank on 20 15. It aims to break the traditional bank loan model and provide people with simpler and more convenient services in inclusive finance. Puyin integral loan has the characteristics of low application threshold, real-time approval, repayment with the loan, and daily interest calculation. Provident fund integral loan is a personal consumption loan product created by Shanghai Pudong Development Bank on 20 15. Puyin integral loan has the characteristics of low application threshold, real-time approval, repayment with the loan, and daily interest calculation. The integral loan business can be applied for many times, and the accumulated outstanding balance of various integral loans shall not exceed RMB 200,000.
Customers enter through the electronic channel provident fund loan menu of Shanghai Pudong Development Bank, choose the area where they have paid their provident fund, and authorize Shanghai Pudong Development Bank to inquire about the relevant data of their own provident fund deposit. After participating in the loan approval, the customer can complete the loan application by himself, and the system will automatically formally approve the loan online, and the customer will complete the consumer loan business immediately after signing the contract online.
Application conditions:
1. Mortgage customers can accept any bank mortgage loan.
2. Pufa's punch card salary
3. The credit card limit of Shanghai Pudong Development Bank is more than 20,000 yuan.
4. Mortgage customers of Shanghai Pudong Development Bank
As long as you have business dealings with PUFA.
Materials required:
1. identification number
Reserved mobile phone number
3. Online bank account number
4. Online banking query password
5. Pudong Development Bank savings