Comfortable flowers can be borrowed and returned
Useful flowers can be returned at any time. It has interest every day. According to the actual loan days, the minimum daily interest rate is 0.048% from the date of successful loan issuance, and daily interest = remaining unpaid principal * daily interest rate.
There are two repayment methods, one is automatic repayment. Before the repayment date, make sure that your bank card has enough money, and the system will automatically deduct the money in the early morning of the repayment date. The other is active repayment, which can be operated at any time.
There is no service charge for comfortable flowers, and it is convenient to borrow money, but there will be penalty interest if it is overdue. Remember to pay back on time when you use it.
Anyihua is a revolving credit line financial service application software launched by immediately consumer finance co., ltd.
On June 3rd, 2020, China Internet Finance Association released the real-name registration list of mobile financial client applications (the first batch), and the core product of consumer finance "Yihua" was successfully selected. At this point, Instant Finance became the first licensed consumer financial institution to complete the filing of mobile financial clients.
On 021June 15, the Consumer Rights Protection Bureau of China Banking Regulatory Commission notified the consumer finance companies of their actions against consumers' legitimate rights and interests. According to the report, the promotion of instant money elimination of "Yihua" APP is exaggerated and misleading, and the homepage has a propaganda statement of "ultra-low interest rate". Take an easy-to-spend APP loan test as an example. The loan is jointly funded by Kuaiqian and the bank and underwritten by the insurance company. During the whole loan application process, the insured was not informed of the insurance cost in advance, and the key insurance clauses were not prompted and explained.
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
Can Anyihua postpone repayment?
1, Anyihua can postpone the repayment.
2. Take out a loan to buy comfortable flowers. If you can't pay it off in full, you can contact customer service to apply for deferred repayment. However, if you want to apply for deferred repayment, you need to purchase the flexible repayment package service provided by Yihuabao and pay the service fee of RMB in 40 yuan. The specific operation method is to open Anyihua and enter the repayment page, where you can see an option of early or delayed repayment. If you want to apply for deferred repayment, you must make a choice one week before the repayment date, and you can postpone repayment for one month after choosing.
For more information about comfort flowers, can I postpone the repayment? Go to: See more.
Can comfortable flowers be lent out and returned immediately?
can
Of course. Easy-to-consume loans can be repaid in installments or with the loan. Choosing to borrow and pay back is actually choosing to pay off in advance, and paying off interest in advance is calculated according to the actual borrowing days. Anyihua is a loan product for credit reporting. Users must repay on time according to the repayment plan, otherwise the overdue records will be reported to the credit bureau. As for paying off in advance, this does not affect the credit investigation.
I believe everyone is familiar with the word "online loan". It is a capital operation mode that grows wildly with the rapid development of Internet. It is convenient for users and more convenient for capital accumulation. It is precisely because of the "greed of capital" that its negative influence is deeply rooted in the hearts of online lending companies, which makes people turn pale at online lending and even associate it with "routine lending" and stay away from it.
In fact, all kinds of well-known online loans are formal institutions approved to carry out loan business under the supervision of relevant departments, but …
As mentioned above, online lending companies drift their lending behavior between reasonable and unreasonable through various obscene operations. As for whether it is reasonable or not, the regulatory authorities can't find anything wrong at the moment, and users are full of complaints at the moment, so users complain, and online lending institutions shirk and form disputes. At this time, it depends on the degree of user distress. Users make a lot of noise, regulators frown, and online lending institutions will make appropriate concessions, but it is impossible to move, and users can only accept it. Therefore, don't blindly try anything new without knowing much about it, otherwise it will always be the individual who suffers. So I want to emphasize here that we must look at the contract, look at the contract, and look at the contract. We can't simply point out "I have read it and agreed", but we still have to find out and understand things involving money.
Having said that, let's cut to the chase and analyze the instant financial loan product, Easy Flower.
First, I first saw Anyihua loan products.
Instant Consumer Finance Co., Ltd. ("Instant Consumer" for short) is a technology-driven financial institution with a consumer finance license approved by China Banking and Insurance Regulatory Commission. Immediately, finance introduced itself like this.
The following picture shows a loan product with principal and interest equal to 6000 yuan, which has been repaid in 12 installments since August 20, 2020. This picture shows some repayment details.
Anyi loan cost 6000 yuan, and the repayment details of the first six installments.
As can be seen from this figure, the user borrowed a loan with the same principal and interest of 6,000 yuan, and repaid 599.78 yuan in each installment, 12 installments, with a total repayment of 7 197.36 yuan and a cost of 1 197.36. Whether the specific cost is more or less cannot be concluded here. Explain the first one first.
First of all, the gray part is the fixed fee paid by the user in each period, and the unmarked part is the trick played by the loan product. Super-performance fee is a special charging item of revolving loan (revolving loan gives you a certain credit limit, within which you can apply for multiple loans). As far as easy-to-spend products are concerned, this fee is not charged for the first two loans. From the third time, the fee will be charged at 1% of the loan amount, with the upper limit of 30 yuan.
Of course, in order to attract users to borrow money, finance will immediately issue various coupons to offset the loan cost. For example, the deduction amount of ordinary coupons is 29.87 yuan, which is not enough to deduct the handling fee for Lian Chao's second withdrawal.
The overpayment deduction is the overpayment of the previous loan. Putting it in spot finance does not produce any income, which is equivalent to giving it to spot finance for nothing. According to the contract, users can get it back, but I believe many users don't know that they paid more money, or even if they paid more money, they don't know how to operate the app. The function of borrowing money in the app is the best. I don't know where the other functions are, it's too difficult to use. Even the loan contract took me a long time to find. Moreover, these contracts can only be viewed, not downloaded, not screened and not recorded. Users who want to see the contract have been staring at the No.6 word on their mobile phones. Real numbers are difficult for people, and zooming in is ok, but the screen is too small, and you have to drag the contract around all the time. Two words are laborious.