According to the personal financial situation and credit information, mortgage records, repayment records, etc., systematic or manual comprehensive judgment and audit are carried out. It will affect the examination and approval results. If it is judged as a high-risk customer, the loan amount may be reduced or the approval may not pass.

Second, does Central Plains consumer finance collect credit information?

When applying for a loan from Zhongyuan Consumer Finance, the applicant needs to inquire about personal credit records. If he applies, he will leave an inquiry record on the credit record. Not only that, after the loan is successful, if it is not repaid in full and on time, the bad records will be reported to the credit bureau, and bank loans such as mortgage loans and car loans will be generated for everyone in the future.

Zhongyuan consumer finance

Henan Zhongyuan Consumer Finance Co., Ltd. (abbreviated as "Jane Company") was established at the end of 20 16. Established with the approval of China Banking Regulatory Commission and initiated by National Haiyiqian Network Information Technology Co., Ltd., the company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with an initial registered capital of 500 million yuan, and has launched two product systems of "raising money and paying money".

The loan products of Zhongyuan consumer finance are: elite loan, provident fund loan and Leju. If they meet the loan conditions, they can apply for one of them. Many users are worried about the routine of Central Plains consumer finance. In fact, as long as it meets the loan requirements of Zhongyuan consumer finance, it is possible to successfully borrow money through loan review.

Central Plains Consumer Finance Main Line Products

Zhongyuan consumer finance has two loan products:

First, raise funds for consumption.

It is a pure online consumer loan product, namely, online loan provident fund loan and UnionPay business-raising money consumption three loan modes. Their target customers are different:

1, elite loan service.

2. Provident fund loans mainly provide loan services for customers who deposit provident fund.

3. UnionPay business-providing loan services.

Second, raise money to pay

It is mainly aimed at the installment service of customers in specific consumption scenarios, that is, offline loans.

Third, bad credit. Is Central Plains Consumer Finance Better?

Credit information is not good, Central Plains consumer finance is not good, and credit information is spent. If the loan amount applied by the user is not high and the loan period is short, then the user still has a certain probability of passing the loan review of Zhongyuan Consumer Finance. Users apply for a higher loan amount and a longer loan term, which requires users to have good or excellent personal credit qualifications. At this time, the user cannot pass the loan audit of Zhongyuan Consumer Finance.

If the credit information is spent, users can still pass the loan review when applying for a loan from Zhongyuan Consumer Finance. After all, it doesn't mean that the user's repayment ability is insufficient. Moreover, Central Plains consumer finance is a condition for comprehensively auditing users' personal credit qualifications. It's just that the credit investigation is spent, which will not directly lead to the failure of loan review. Spending credit information will only lead to stricter loan review.

Fourth, is the Central Plains consumption pass rate high?

The pass rate of consumer finance in Zhongyuan is still relatively high, but borrowers must be able to better meet the application requirements. After all, Zhongyuan consumer finance is not comparable to those ordinary online loans. There are three kinds of loan products in Zhongyuan consumer finance: raising money, elite loan and raising money to pay. The basic application conditions are: 1, with good personal credit information and no record of non-performing loans in the past; 2. Be at the age of 18-65, and be able to provide a true and valid ID card, bank card and mobile phone number registered in real-name registration system; 3. Have a stable income and a strong willingness to repay. Extended data:

Zhongyuan Consumer Finance is a licensed financial institution. At the same time, it is fully connected with the credit information system of the People's Bank of China, borrowing from Zhongyuan Consumer Finance, or applying for loans from Zhongyuan Consumer Finance. These loans were collected at the meeting. Zhongyuan Finance has a quota approval: when a customer registers a Zhongyuan financial account, the system will give a certain quota according to the customer's audit results. However, if the customer wants to apply for a loan, the general system will re-examine. The loan will only be approved if it is approved; If the audit fails, the loan will not be approved, and the customer can't apply for a loan even if there is a quota. The reason for this is that before the customer applies for a loan, the system only gives the estimated amount by reviewing the information provided by the customer, and every loan applied by the customer has to be re-evaluated by the system. Some people may have bad credit, so the system will detect some problems when reviewing the customer's loan application and refuse to approve the loan. Therefore, in order to avoid the situation that the quota cannot be approved, customers must maintain good personal credit. Moreover, the amount that customers can be approved often depends on their personal qualifications. The better the overall quality of an individual, the more places can be approved. Review the lending speed: From the past, Central Plains consumer finance basically applied for lending on the same day, which will not delay everyone's business. The only thing that needs everyone's attention is that Zhongyuan Consumer Finance may make a phone call back, so please keep your mobile phone open. From the three aspects of application conditions, pass rate and loan approval speed, it is not difficult to approve Zhongyuan consumer finance. Central Plains consumer finance 7 days without reason: Central Plains consumer finance 7 days without reason repayment means that the first loan is exclusive, and the interest on the loan funds settled within 7 days is free. For example, Zhongyuan Consumer Finance granted a quota of 20,000 yuan, and users applied for withdrawal of 1 10,000 yuan. Within 7 days, the repayment interest and handling fee are all reduced, and Zhongyuan Consumer Finance does not charge any fees. But this offer is only for the first loan. I didn't see the invitation that popped up, which proved that the user didn't meet the requirements.