Yes, Gome Small Loan is a consumer finance platform under Gome Holdings. Relying on Gome's industrial advantages, adopting a flexible and fast strategy, closely surrounding the core retail ecosystem, building a consumer finance platform and launching its APP. Gome Microfinance Co., Ltd. was established on May 2, 2065438, with a registered capital of RMB 500 million. Shareholders are Beijing Gome Electrical Appliances Co., Ltd., Beijing Meiyitong Technology Consulting Co., Ltd. and Beijing Meishangtong Technology Consulting Co., Ltd.
Gome Small Loan is a small loan software. With its advanced big data and risk control system, it generates credit rating in real time, providing simple and quick services for self-employed and working-class people.
Gome's financial layout is also quite extensive. The business layout of more than 2,000 offline stores in 34 provincial regions and more than 600 prefecture-level cities has been completed. According to different scenarios of consumer finance, it is divided into online consumer finance and offline consumer finance, providing users with innovative financial services and new experiences of life consumption.
When users make online consumption settlement, the scene embedding of financial business can break the time and space constraints, meet the convenient needs of consumers, and at the same time give consumer finance more development perspectives and traffic introduction. Based on the offline staging of the scene layout, it cuts through the real retail consumption scene to meet the consumer's experiential shopping needs.
In order to better enhance the user experience, Gome's small loans are quite simplified. It only takes a few minutes from registration to certification. In order to ensure the security of its use and payment, Gome Financial invested in high-tech technology, and adopted face recognition and iris technology to effectively solve the problems of identity authentication.
Gome's strong background, reliable security technology and quick and simple use experience help people to consume and improve their quality of life.
Which app is Gome Microfinance?
In general, Gome loan refers to Gome Finance. Gome Finance is a financial platform under Gome Holding Group, which mainly provides customers with loans, wealth management and other services. Gome Finance mainly has Yimei wealth management products, and Yimei wealth management products include term, bill and transfer wealth management. The lending platforms created by Gome Finance include: Gome Easy Card, Meiyifen, Meiyifang, Meiyiche and Meiyirong.
1. Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and on the condition that they must be returned. A simple and popular understanding is to borrow money with interest.
Second, banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of expanding social reproduction and promoting economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
3. As a leading consumer credit information service enterprise in China, Lirong.com is the only enterprise in China that has launched the MBA student loan project. The bridge loan provided by Lirong.com to MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.
4. Loan interest: Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (i.e. the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
Five, in the civil law, interest is the legitimate fruits of the principal. Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis; Repay part of the loan in advance: the borrower can repay part of the loan in advance when applying to the bank, which is generally an integer multiple of 1 000 or 1 000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged. The new repayment period shall not exceed the original loan period to repay all the loans in advance: the borrower can repay all the loans in advance when applying to the bank. Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.
Which company does Gome Financial Loan app belong to?
Gome Financial Loan app is affiliated to Gome Holding Group Co., Ltd., which was formally established on 1987. After nearly 30 years of development, it has become a large modern group enterprise with stable operation, abundant capital, strong integration ability and diversified development. Its business covers nine fields, including retail, e-commerce, logistics, real estate, investment, cultural media, medical and health care, finance and high-end clubs.
Classification of Gome's financial loans
Gome Finance is a financial platform under Gome Holding Group, which mainly provides customers with loans, wealth management and other services. Gome Finance mainly has Yimei wealth management products, including time, bills, transfer and other wealth management. The lending platform created by Gome Finance includes Gome Easy Card, Yimei Branch, Yimei House, Yimei Automobile and Yimei Finance.
Meiyi Powder is a consumer installment product launched by Gome Financial Holdings, which aims to provide consumers with fast and simple installment payment services and create a brand-new consumption model. The launch of Gome Financial Meiyi Powder 3.0 has met the phased demand of 3C digital products consumer stores, including mobile phone specialty stores, Unicom mobile phone franchise stores and other mobile phone malls in China.
Mei Jie is a micro-loan platform under Gome Finance, which focuses on solving the problems of shortage of funds and insufficient credit card balance in life. Yimei Finance is a comprehensive wealth management service platform under Gome Finance, which is committed to providing customized wealth management services for individuals and enterprises and realizing the platform vision of financial quality life.