Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender shows CITIC baixin bank, then the loan platform for this loan is baixin bank. Baixin bank's consumer credit product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid.
Baixin bank (full name "CITIC baixin bank Co., Ltd.") is the first direct selling bank approved as an independent legal person, which was jointly established by CITIC Bank and Baidu Company.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
interest rate
(1) interest rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
(2) benchmark interest rate
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
Which loan platform is baixin bank?
Baixin bank is an Internet direct selling bank jointly sponsored by CITIC Bank and Baidu Company. There are no physical outlets, and business is mainly carried out through remote channels such as computers, mobile phones and telephones. Its main digital financial products include Huahuihua, Wallet Plus, Baidu Flash Payment Card, Little Whale Hi, Hundred Cars Loan, Hundred Merchants Loan, Hundred Banks Loan and Hundred Tickets Sticker.
1.201414 10. In October, Baidu Company and CITIC Bank launched CITIC Baidu Post Bar to approve credit cards, and simultaneously launched the "3D Financial Service Hall" in Baidu Post Bar to provide online financial and payment services for hundreds of millions of users. Strategic cooperation between Baidu and CITIC 2065438+ In February 2005, Baidu announced a substantial organizational restructuring, integrating Baidu's existing business groups and business divisions into three business groups: mobile service business group, emerging business group and search business group. All three business groups have financial services, and Baidu Finance Division is one of the six business groups of emerging business groups. The business of Baidu Finance Division is divided into two parts: Baidu Money and Baidu Small Loan. "Baidu has money" is its core product, mainly engaged in consumer finance, of which education credit is a more important sector. "Baidu Small Loan" is to provide financial services for Baidu's corporate users.
On February 20th15th165438+110th17th, CITIC Bank announced that it planned to establish a direct selling bank in cooperation with Baidu. The proposed name of the direct selling bank is "baixin bank Co., Ltd." with a registered capital of 2 billion yuan, which is controlled by CITIC Bank. Details to be determined. On 2015165438+10/8, CITIC Group and Baidu jointly announced the strategic cooperation in Diaoyutai State Guesthouse. CITIC Bank, a subsidiary of CITIC Group, and Baidu initiated the establishment of direct selling banks-baixin bank Co., Ltd. 20 17 1.5, and CITIC Bank and Baidu Company (Fujian Baidu Borui Network Technology Co., Ltd.) received the approval from the CBRC and agreed to establish CITIC baixin bank Co., Ltd. in Beijing. According to the approval document, baixin bank, China CITIC Bank and Baidu, which were approved for construction this time, hold 70% and 30% shares respectively, and baixin bank will conduct direct banking business in the form of independent legal persons.
3. baixin bank Co., Ltd. is the first independent legal person direct selling bank in China, and the "direct selling bank" has appeared in China since 20 13. 20 13 Since September, Minsheng Bank and Bank of Beijing have successively launched direct banking business, and more than 20 banks across the country have launched direct banking business. Different from existing banks, direct banks mainly provide financial products and banking services through the Internet without offline outlets, which is a strategy adopted by traditional banks to meet the financial challenges of the Internet. Baixin bank, an independent legal person direct selling bank, can make the direct selling bank's business progress faster. It turns out that within the traditional banking system, there is a conflict between the business of direct selling banks and the traditional banking business, and there are certain obstacles in the business promotion, while the establishment of direct selling banks alone can have institutional and institutional advantages.
Which online loan is CITIC baixin bank?
Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender shows CITIC baixin bank, then the loan platform for this loan is baixin bank. Baixin bank's consumer credit product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid.
Baixin bank (full name "CITIC baixin bank Co., Ltd.") is the first direct selling bank approved as an independent legal person, which was jointly established by CITIC Bank and Baidu Company.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
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Staging music can be borrowed up to 50 thousand!
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Which loan platform is baixin bank?
Baixin bank is not a loan platform, but baixin bank can provide users with loan products. Baixin bank is an Internet bank jointly sponsored by China CITIC Bank and Baidu Company, which can not only issue loans, but also absorb deposits and handle other financial services. Therefore, it is essentially different from the loan platform.
Baixin bank's consumer credit loan product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid. In addition, baixin bank also collects credit information, so the loan must be repaid on time.