For similar customer groups (private owners, office workers, etc. ), the loan products and interest rates launched by different microfinance companies are basically the same, and the approval process and lending time are similar.
Personal loans of microfinance companies are divided into the following categories:
(1): personal loan, loan amount (1 0-300,000), small loan area (local area) loan 1 0,000, term 1-5 years.
Loan interest rate: about 2% per month.
ask
：
(1) A copy of my valid certificate (such as ID card and household register), home fixed telephone number or my fixed number shall be provided.
Contact telephone number.
(2) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for examination and approval.
Pay within half an hour at the earliest.
(2): Enterprise microfinance: loan amount (65438+ 10,000-2,000,000), term (1-5 years) Microfinance interest rate:
The monthly interest rate is about 2%.
ask
：
A copy of the business license, tax registration certificate, organization code certificate and ID card of the legal representative of the enterprise
Pieces.
(2) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for examination and approval.
The fastest payment is within 1-2 days.
(3): Self-employed microfinance: loan amount (500,000-500,000), term (1-5 years), microfinance interest rate: monthly interest rate.
Percentage (2%)
ask
：
(1) Copies of business license, tax registration certificate and identity card.
(2) The company also requires the applicant to submit relevant materials, which can be given within 1 hour after verification.
The customer will definitely answer whether to approve the payment, and pay within the second day of the application as soon as possible.
Advantages of micro-loan: micro-loan is unsuccessful, and there is no charge.
1. Optimization of repayment method (quarterly interest payment, repayment of principal when due);
2. The loan can be used for enterprise capital turnover, house purchase, car purchase, decoration, education, etc. );
3. The amount of small loans is large, the next payment time is fast and the process is short;
4. There is no penalty interest for repaying the loan in advance;
5. Small loans have a long term and the procedures are simple and quick;
6. Microfinance is unsuccessful, and no fees are charged to customers;
Microfinance process: basically consistent with the formal microfinance process of banks.
→ Verify capital verification → Sign a contract → Receive cash → Pay interest quarterly → Repay the loan when due.