1. Shuxin e loan interest rate is as low as 3.85%, which can be recycled. The maximum amount is 200,000 yuan, and the maximum period is five years. This is an online consumer loan launched by Sichuan Rural Credit Cooperative. After the successful application of Shuxin E, the use of the next loan amount is limited.
2. According to the regulations of Sichuan Rural Credit Bank, Shuxin e-loan shall not be used for purchasing real estate, stocks, futures, funds, products, financial derivatives and other purposes prohibited by national laws, regulations and rules. If the bank finds that the applicant does not use it according to the regulations, it will recover the unused loan amount and demand repayment of the used amount.
3. "Shuxin e-loan" has won the favor of many customers with its zero data, secondary audit, bank-wide and intelligence. In order to let more customers know and make good use of this "network celebrity" product, Anzhou Rural Commercial Bank launched a special training on "Shuxin e-loan" throughout the bank, and assessed the product characteristics, business control process, client operation, mobile operation, VIP list tool use and marketing incentives.
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Reliable loan company standards:
1. Although the threshold for loan application is not as high as that of banks, it is not a "zero" threshold, and you may not be able to apply if you want to apply. Formal personal loan companies need borrowers with certain repayment ability, appropriate age, good personal credit information and certain willingness to repay, which will serve as audit reference for microfinance companies when lending.
2. Not registered in the Industrial and Commercial Bureau or without some financial licenses: Regular companies must be registered in the Industrial and Commercial Bureau, and powerful companies will also have qualifications and licenses recognized by China Banking and Insurance Regulatory Commission.
3. The Law on Private Lending stipulates that the interest rate of small loans shall not exceed 24% of the annual interest rate in principle, and can be negotiated between 24% and 36%. More than 36% is not recognized by law and needs to be cautious.
4. Formal personal loan companies will not charge users any fees before the loan, such as prepaid interest and loan deposit. Some lending institutions lure users with preferential interest rates by repaying in advance. Be careful when you meet such borrowers. They are basically scams.
5. Online personal lending companies are mostly pure credit loans. When applying, the borrower needs to fill in the complete identity information on the Internet, so that the loan platform can confirm the identity and verify the qualification.