First, how about Hui's arrival?
Huidaozhang is a loan product that has just been launched recently. Mainly for small and medium-sized business owners, including self-employed. To be sure, this product is genuine and reliable. At present, the loan amount provided to users is very high, and the maximum application amount is 654.38+0 million. However, if the user chooses to pay interest first, the maximum loan amount is 300,000 and the service period is 12-36. It is not difficult to see from here that although the remittance account is an online product, the amount and service life are not lower than those of banks. However, Huizaizhang has much higher requirements for borrowers than other microfinance products. The enterprise under the borrower's name is required to be established and operated for more than one year, and has been invoiced in the last three months, and the number of invoiced months in the last year cannot be less than six months. In the past year, the invoice amount has been increasing, and if there is a decrease, the maximum amount shall not exceed 50%. In the usual number of transactions, there are more than four downstream invoicing enterprises, and the annual invoicing amount is more than 654.38+billion, but not more than 654.38+billion.
Second, Huizhi Loan app function:
1. The work and income of users are regulated. You can only apply for a loan if you have a fixed income source at work and it is above 1000. Students under 18 are not allowed to drive.
2. There will be a phone call for approval. You just need to reply seriously.
3, the threshold is low and the rate is low, which is suitable for working-class people, office workers and other people.
4. There are many loan information updated every day for users to read articles.
In addition to the requirements for the enterprise itself, there are also strict requirements for the borrower's credit information. First, the liabilities, including secured loans, shall not exceed 3 million. At present, there are no overdue, bad debts, subprime loans, suspicious and abnormal losses. No more than 9 inquiries in the last three months, no more than 20 inquiries in the last six months and no more than 30 inquiries in the last year. At the same time, the applicant has no problems such as breaking his promise, being executed, limiting his height, committing crimes, causing serious health problems, and freezing assets. It should be noted that enterprises engaged in sensitive industries such as entertainment, finance and gambling cannot apply. At present, Tibet, Xinjiang, Inner Mongolia, Liaoning, Jilin and Heilongjiang cannot apply, and other small partners can apply normally.