The annualized income is 12%- 18%, and the average annualized income is 17.42%, which is much higher than the average annualized income of the online lending industry 14%.
The main business of Golden Pocket is real estate mortgage loan, which is the most stable P2P online loan model with the lowest risk coefficient. The platform cooperates with domestic powerful guarantee institutions, and the guarantee company provides full joint principal and interest guarantee for investors in Golden Pocket to ensure the safety of investors' funds.
The term of the platform target is 1-3 months, and it has the function of automatic bidding, which effectively solves the problem of fund standing guard.
Lufax feature
China Ping An Group members are worthy of the name, and Ping An attaches great importance to this project. The former president of SDB was stationed in lufax and served as the head of Ping An Guarantee Company, guaranteeing all principal and interest.
In the course of the transaction, a guarantee company under Ping An Group is introduced to guarantee overdue loans and provide full compensation. For lenders, the degree of capital security is higher.
Its pp financial management projects, Wen Ying 'an E and Wen Ying 'an Industry, are all guaranteed by the guarantee companies under Ping An Group. Lufax Wenying 'an E and Wenying 'an industries are expected to be annualized by 7.84%-8.4% and 7.5%-7.8%, with relatively low risk. At present, lufax only charges 0.2% of the transfer price for creditor's rights, and other services are temporarily free.
At present, the minimum capital requirement for lenders in lufax is at least 1 10,000 yuan, which is also different from many PP companies.
Generally speaking, compared with lufax, Jinkoubao has higher income and is safer. The latter, as a PP backed by powerful financial institutions, should be relatively mature in risk management and other aspects, and a guarantee institution has been introduced for guarantee, so it can be said that the lender's funds have been guaranteed. If you have a lot of idle funds and tend to invest safely, lufax is a good choice.
And if you pursue a high-yield and safer platform, the gold pocket is your ideal choice!