Is Ctrip Finance a formal loan?
Want to know whether Ctrip Finance is formal, you can analyze it from the following three aspects:
1, platform background
Ctrip Finance is the official personal microfinance platform under Ctrip Group. Licensed institutions adhere to big data technology as their core competence, and are committed to working with financial institutions to serve the vast number of individuals and corporate users, and provide safe, stable, efficient and convenient consumer credit financial services for users with financing needs. Its investors are also authoritative and professional financial institutions.
2. Loan interest rate
The minimum daily loan interest rate of Ctrip Finance only needs to be converted into the annual interest rate, and the upper limit of the state's judicial protection for private lending is four times that of the one-year loan market interest rate (LPR) in the same period. Calculated by four times the quoted interest rate of the one-year loan market announced on July 20, 2020, the upper limit of judicial protection of the current private lending interest rate is that the loan interest of Ctrip Finance fully meets the national standards.
3. Application process
Apply for a loan from Ctrip Finance, there is no extra handling fee, the whole process is online, the system automatically approves, and there is no need for capital verification. The process is legal and transparent, so don't worry at all.
Ctrip Financial Loan Application Requirements
To apply for a loan from Ctrip Finance, the applicant needs to be 22-55 years old, with good credit information, low debt ratio, certain repayment ability and ability to repay the principal and interest.
I believe everyone is right about "Is Ctrip Finance a formal loan?" As a loan product under the platform of Daping, information encryption and lending are guaranteed. You can choose a suitable loan platform to borrow according to your loan needs and personal qualifications.