Zhongan small loan premium refers to that the borrower needs to pay a certain premium when borrowing on Zhongan small loan. Premiums generally exist in online loans. In fact, the premium of the loan is a kind of credit insurance to prevent the borrower from borrowing but not paying back, but the premium also increases the borrower's loan interest to some extent. If users apply for loans on Zhongan small loan platform, choosing to pay premiums will improve the pass rate of applications, and borrowers with high credit qualifications will get less premiums.
The full name of Zhongan Small Loan is Chongqing Zhongan Small Loan Co., Ltd. In 20 17, Zhongan Small Loan Company was formally established with its headquarters in Chongqing. Zhongan Loan Company mainly deals in personal micro-loans and consumption staging. The company is mainly engaged in Internet loan business. The shareholders of Zhongan Small Loan are Zhongan Information Technology Service Co., Ltd. and Tianyi Electronic Commerce Co., Ltd., among which Tianyi Electronic Commerce Co., Ltd. is a subsidiary of China Telecom, so China Telecom has also opened up new customer channels for Zhongan Small Loan.
Matters needing attention in loan:
1. The loan amount applied for should be moderate, and the financial situation and financial habits of individuals and families should be fully considered. Generally, the monthly repayment amount does not exceed 50% of the total family income. Keep a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be rejected by the bank.
2. When making a loan, you should provide real personal information to the bank, cultivate a good sense of honesty from the beginning, and don't provide false information, otherwise you may be listed in the "blacklist" of the bank and rejected by all banks; When personal information changes, it should inform the bank in time.
3, the loan applicant should have a stable source of income, repayment willingness and repayment ability. Office workers need to provide proof of unit salary, bank running water and so on. , and start a company or self-employed individuals need to provide information such as business status, bank flow, physical assets (such as real estate) and financial assets (such as bank deposits). Securities, national debt), etc.
4, bank loans, should explain the purpose of the loan and provide relevant supporting materials, such as the purchase of real estate, production and operation turnover, decoration, etc. If it is a mortgage loan, the house must complete the three certificates and pay off the loan balance. If it is a house that has been mortgaged by the bank, it can also be used as a secondary mortgage of the house when the balance has not been paid off.
5. The loan application procedure is legal, the transaction is true and reliable, and the account manager working in the bank is selected to handle the loan business. We should choose the loan variety, loan term and repayment method that suits us according to our own situation. When signing a contract or agreement, you should read the terms clearly and understand your rights and obligations to protect your rights and interests; Keep contracts, agreements, receipts and other materials properly.
6. Repay on time to avoid bad credit records.