The first step is to submit a loan application to the small loan bank. The handling personnel will introduce the conditions and time limit for applying for small loans to the borrower, and at the same time conduct a preliminary examination of the borrower's conditions, qualifications and application materials.
2. Re-audit
Take reasonable measures to review the authenticity of the materials submitted by customers and evaluate the repayment ability and willingness of the applicants;
Step 3 agree
According to the customer's credit rating, economic situation, credit standing and guarantee situation, the comprehensive credit line and the validity period of the line are finally approved;
Step 4 distribute
After the loan conditions are implemented, the customer can apply for the loan amount from the loan bank at any time according to the capital demand;
5. Post-loan management
The loan bank shall supervise and inspect the borrower's income and loan use in accordance with the relevant provisions of loan management, and the inspection results shall be recorded in writing and filed;
6. Loan recovery
According to the repayment plan and repayment date agreed in the contract, the borrower repays the principal and interest in full and on time on the repayment due date, and the microfinance process ends.
Description of loan amount, term and expenses, used to expand information.
Scope of credit line: 654.38+0,000-200,000 to support loan application.
Term: Pleasant Loan Platform provides you with flexible loan term, supporting 12, 24 and 36 months.
The required service fee includes:
1、? Information consulting service fee and management consulting service fee: Yirendai provides borrowers with a series of services such as loan information consulting, credit evaluation, lender recommendation, repayment reminder, account management and repayment management, and borrowers pay information consulting service fee and management consulting service fee to Yirendai. According to the borrower's actual risk level and other factors, the monthly rate varies from 0.11%-1.21%.
2. Repayment management service fee: If the borrower fails to repay the loan in time as agreed in the loan agreement, resulting in repayment management problems of Yirendai, it shall pay the repayment management service fee to Yirendai. See the website agreement for the collection rules of repayment management service fees.
3. Liquidated damages for prepayment: The borrower shall pay liquidated damages for prepayment to the service provider for additional services provided by the service provider, such as re-lending of funds, calculation of prepayment fees, detailed calculation, customer service instructions, etc. See the website agreement for the collection rules of liquidated damages for prepayment.
Insurance premium/service guarantee fund: When the borrower purchases performance guarantee insurance or participates in the guarantee plan established by the guarantee company, it will generate related expenses such as insurance premium or service guarantee fund, and its collection rules will be formulated by the third-party insurance company or financing company, and the borrower will pay it to the third-party insurance company or financing company.
Pleasant loan-What are the reasons why the loan application was not approved?