Zhongyuan consumer finance adopts a business model that combines online and offline, online loans and offline loans.
I. Exit:
It is a pure online consumer loan product, that is, online loan. There are several loan models for withdrawing money, such as "elite loan, provident fund loan and UnionPay business-withdrawing money", and their target customers are different:
1. Elite loan mainly provides loan services for high-quality enterprise employees.
Elite loan is a loan product tailored by Zhongyuan Consumer Finance for office workers. The amount can reach 200,000 yuan, and the interest of 1 1,000 yuan is as low as that of 2 yuan.
Product features: Central Plains consumer finance elite loan bears interest on a daily basis, with interest paid first and principal repaid later. You can withdraw cash at any time in 7X24 hours, and the application will be successful in 5 minutes at the earliest.
2. Provident fund loans mainly provide loan services for customers who have paid provident fund.
Provident fund loan is a loan provided by Zhongyuan consumer finance for friends with provident fund. After paying 12 months, you will have the opportunity to apply for provident fund.
Product features: the provident fund loan of Zhongyuan Consumer Finance can be recycled within one year, and the interest is calculated daily.
3. UnionPay business-withdrawing money, mainly providing loan services for customer service with credit cards.
Shang-Hua Qian is a loan product provided by Zhongyuan Consumer Finance for credit card users, with a maximum amount of 200,000 yuan and a monthly loan interest rate as low as 0.75%.
4. Leju loan
Home loan is a loan product provided by Zhongyuan consumer finance for homeowners. The loan amount will be higher and it will be repaid in installments.
Product features: Only customers with mortgage stock can apply, which can help house slaves get out of trouble.
Second, the monetary payment:
It is mainly aimed at customers' consumption installment service in specific consumption scenarios, that is, offline borrowing.
How much is the interest of Zhongyuan consumer loan products?
Elite loan
At present, elite loans provide loans specifically for working people, with a daily interest rate of 0.02%. Borrow money for one day, and calculate the interest for one day.
For example, if you borrow 6,543,800 yuan from the Central Plains consumer finance elite for 30 days, the loan interest will be 654.38+ 0.02% 30=600 yuan.
Business unionpay-cash withdrawal
The loan interest paid and withdrawn by the business alliance is calculated on a monthly basis. The monthly interest rate can be as low as 0.75%, and the service period is 3 to 24 periods. When you apply for UnionPay business-withdrawal, you can use the system to calculate your loan interest in advance.
In addition, Zhongyuan consumer finance pursues the policy that the better the credit, the lower the interest, so friends with excellent credit don't have to worry too much about their high borrowing costs.
Is Central Plains Consumer Loan Reliable?
Henan Zhongyuan Consumer Finance Co., Ltd. was established at the end of 20 16. The company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with an initial registered capital of RMB 500 million. Zhongyuan Consumer Finance app is the official mobile phone used by Henan Zhongyuan Consumer Finance Co., Ltd. It is committed to providing installment credit services for individual consumers through technological innovation, channel integration and big data application, building a consumer finance ecosystem, meeting customers' better quality of life needs, giving consumers a good consumer experience with brand-new consumer finance scenarios, and practicing "inclusive finance" with practical actions.
By the end of 2065438+June 30, 2008, Zhongyuan Consumer Finance initiated by Zhongyuan Bank had issued a total loan of133.79 million yuan, with a loan balance of 56210 million yuan. The accumulated loans exceeded 4.28 million yuan, and the operating income reached 654.38+0.57 billion yuan, providing financial services to consumers.
Related Q&A: How to apply for Zhongyuan Consumer Finance? You can download Zhongyuan consumer finance directly. You can download it with treasure or online mall. After downloading, register your personal information, then click Apply and follow the above operation.