In fact, regarding this kind of loans, the state has also introduced relevant strategies. For example, in the Notice on Further Promoting the Development of Micro-enterprises issued by the China Banking Regulatory Commission on 20 19, it was mentioned that the tolerance of non-performing loan ratio of inclusive micro-enterprises should be relaxed to no more than 3% of all non-performing loan ratios on the premise that the risks in enterprise credit loans are controllable.
Although Pratt & Whitney consumer loans are very convenient, you still need to meet certain conditions if you want to apply for such loans. Users should not only have good credit, but also have stable business operation. In terms of income, different lending banks have their own standards. Including the time of establishment and operation. For example, some banks need enterprises to operate for more than 6 months, and the average monthly flow of enterprises or private accounts should reach more than 50 thousand yuan.
After understanding what is inclusive consumer loan, let's take a look at its advantages.
1, loan interest rate differential pricing
It is understood that this kind of loan is urged by the relevant departments to complete the differential interest rate pricing, reduce the loan profit index through internal fund transfer pricing concessions, and specially arrange special expenses. In other words, the interest rate of this loan is relatively low compared with other bank loans.
2. Tolerance of non-performing rate is loose.
Pratt & Whitney consumer loans have implemented a close combination of due diligence exemption and bad tolerance. After micro-enterprises apply for this loan, as long as there is no illegal act and the non-performing loan rate does not exceed the tolerance standard, they can be exempted from relevant responsibilities.
3. Loan guarantee
Through perfect credit services and methods, combined with the bank's strict supervision system and risk control, the connection with the Internet and big data has been improved, providing borrowers with a safe, efficient and fast online loan environment.
4. Increase the loan voucher
When a micro enterprise applies for a general loan from a bank, the invoice is the only proof of the purpose of the loan. However, with the application of optimized loan payment method and capital flow detection and analysis technology, Pratt & Whitney consumer loans have not only used invoices as the only proof of loan purposes.
Generally speaking, if you have friends who are short of funds and meet the loan conditions, try to apply for this kind of loan. Not only is the interest low, but it is also very safe, reliable and cost-effective.