According to the regulations of CBRC, all kinds of financial institutions need to refer to the benchmark interest rate when setting the loan interest rate. Specifically, the annualized interest rate of China Unicom's Ivo loan may fluctuate between 4% and 8%. However, users' personal credit will affect the loan interest rate of Ivo Loan, and they can enjoy different degrees of preferential discounts or lower annualized interest rates according to different personal credit grades. People with higher credit ratings can often get more competitive and favorable loan interest rates. It is worth noting that Unicom Ivo Loan often launches various promotional activities, which may include reducing or exempting handling fees, providing preferential quotas and lowering the real interest rate.
Then, if the interest rate of Ivo loan is too high, how can we complain? First of all, in the process of loan application, we must carefully read and understand the relevant loan contracts and agreements. Understand the terms of interest rates and fees and compare them with the actual situation. If you have any questions or feel that there is something wrong with the loan interest rate, you can take the initiative to contact the customer service staff of Unicom Ivo Loan for consultation and help. They will provide more detailed explanations and explanations. If you think that the obtained loan interest rate is much higher than the market level and there is something unreasonable, you can submit a written complaint to the CBRC or other relevant institutions. In the complaint, it is necessary to describe the problem in detail and provide proof materials for investigation and mediation. If you can't solve the problem through the above methods, you can consider seeking legal aid to safeguard your rights and interests. The lawyer will provide professional advice according to the specific situation, and start further negotiations or take legal action with Unicom Ivo Loan on your behalf.