Is Sunshine Credit a regular company
Sunshine Credit belongs to the company, the interest rate is higher than the bank loan, it is a regular company.
Which bank lends to Sunshine Credit
The lending bank for Sunshine Credit is Everbright Bank.
Sunshine's businesses include: handling various; handling financing consulting; handling small and medium-sized enterprise development, management and financial consulting; and other businesses approved by industry authorities.
"Sunshine Easy Loan" (Sunshine Loan): an unsecured credit loan product jointly launched by Everbright Bank and Ping An Property and Casualty Insurance Company of China. "Sunshine Easy Loan" is a new type of collateral-free loan product launched by Everbright Bank and Ping An Group of China, which is a credit guarantee product targeting the general public. As long as you meet the requirements, you can apply for a loan issued by Everbright Bank (10,000-150,000) with a loan term of 12-36 installments, full payment, no collateral, no guarantee, simple procedures, flexible term, and fast approval. Credit Student Loan: It refers to the student loan issued by financial institutions such as China Development Bank to new and enrolled students of ordinary colleges and universities whose families have financial difficulties (hereinafter referred to as students), and which students and their parents (or other legal guardians) apply for from the Student Financial Aid Management Centers or financial institutions in the counties (urban areas) in which the students are enrolled for their domicile, in order to help the students whose families have financial difficulties to pay for the tuition fees they need to pay for the duration of their study at school, The student loan is a loan for students with financial difficulties to pay tuition and accommodation fees during their study period. The Deng Yuan Di credit student loan is a credit loan that does not require guarantee or collateral, and students and their parents (or other legal guardians) are *** the same borrowers and *** the same repayment responsibility.
Sunshine loans generally refer to a standardized, regulated and transparent credit business management model launched by credit unions on the basis of consolidation and planning of rural credit, combined with the current economic situation and financial development characteristics of rural areas, as well as the actual operating conditions of rural credit unions. As its name suggests, its purpose is to make credit as sunshine to benefit farmers, from loan application to credit personnel services to loan issuance to achieve sunshine, aiming at solving the problems of farmers' loan difficulties and lack of funds in the production process, and controlling credit risks from the source through the "sunshine" of the lending process. At the same time, the sunshine loans also implement a series of preferential measures for high-quality customers, such as no guarantee, mortgage procedures are simplified, etc., so that they can feel the benefits of maintaining credit, repayment on time, thus helping to cultivate a good credit environment.
The specific process:
One, the farmers need to cooperate with the credit union personnel to the household survey, truthfully provide the business situation and income-related information;
Two, the sampled farmers need to truthfully fill out the back-to-back farmers questionnaire;
Three, the credit union publicized the amount of the farmers' credit loan, the farmers on their own credit loan amount, or other farmers' If you are interested in the amount of your own credit, or that of other farmers, you can reflect this directly to your local credit union or county credit union, or you can give feedback by phone or in other ways;
Fourth, after receiving the Sunshine Credit Credit Notification from the credit officer, the farmer needs to contact the credit union in a timely manner to go through the procedures and receive the credit card. The information to be provided includes the identity cards of the farmer and his/her spouse, the marriage certificate, the supporting information of the business project, the identity card of the guarantor, and other relevant information required by the credit union.
V. After going through the credit granting procedures, farmers in need of loans can bring their ID cards and credit cards and go through the loan procedures directly at the counter of the credit union. It's convenient and fast.
Sunshine credit loan is reliable
Sunshine credit is reliable.
Sunshine credit refers to the whole process of a bank placing a customer's loan investigation, credit granting, pricing, operation process and public commitment to service under the effective supervision of the public and the bank.
Besides the need to pay one-thousandth of an accident insurance, the rest is in violation of the set of your fees. So people who are not clear about it will be more disadvantaged. There should be many people will feel that the interest rate is high, unsecured credit loan companies are basically the same interest rate.
Loans (electronic debit credit loans) simple common understanding, is the need for interest to borrow money.
Loans are a form of credit activity in which banks or other financial institutions lend monetary funds at a certain rate of interest and must be returned and other conditions. Loans in a broad sense refers to loans, discounts, overdrafts and other lending funds in general.
Banks through the loan will be concentrated in the form of money and money funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.
The "three principles" refers to security, liquidity and efficiency, which is the fundamental principle of commercial bank loan operation. Article 4 of the Commercial Banks Act states: "Commercial banks shall operate on the principles of safety, liquidity and efficiency, and shall carry out independent operation, bear their own risks, be responsible for their own profits and losses, and exercise self-restraint."
1, loan security is the primary problem faced by commercial banks;
2, liquidity refers to the ability to be able to recover the loan by a predetermined period of time, or the ability to quickly liquidate the loan without loss, to meet the customer's need to withdraw their deposits at any time;
3, efficiency is the basis of the bank's continued operation.
For example, the issuance of long-term loans, the interest rate is higher than the short-term loans, efficiency is good, but the loan period is long will increase the risk of reduced security, liquidity is also weakened. Therefore, the "three sexes" should be in harmony with each other, so that the loan can not be a problem.
Repayment method:
1, equal principal and interest repayment: that is, the loan principal and interest and the use of equal monthly repayment of a way. Housing fund loans and most banks commercial personal housing loans are used in this way. This way of repayment of the same amount per month;
2, equal principal repayment: that is, the borrower will be loaned an average of the entire repayment period each period (month) to return, while paying off the last trading day to the repayment of the loan interest between a repayment method. This way the monthly repayment amount is reduced month by month;
3, monthly interest due to repayment: that is, the borrower in the loan maturity date of a one-time return of the loan principal [period of less than one year (including one year) loan applies], the loan on a daily basis, the interest is returned on a monthly basis;
4, early repayment of part of the loan: that is, the borrower applied to the bank, you can early repayment of some of the amount of the loan, general The amount of 10,000 or 10,000 integer multiples, after repayment at this time the loan bank will issue a new repayment plan, which the repayment amount and repayment period is changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period.
5, early repayment of all loans: that is, the borrower to the bank to apply, you can early repayment of the full amount of the loan, repayment at this time the loan bank will terminate the borrower's loan, and for the corresponding discharging procedures.
6, with borrowing: borrowing interest is calculated on a daily basis, with one day counting one day interest. At any time can be a one-time settlement of the money without default.
Sunshine credit is a formal company?
It is a formal company
1, sunshine credit refers to the bank will be the customer's loan investigation, credit, pricing, operating procedures and public commitment to the whole process of service and so on under the effective supervision of the public and the bank;
2, so that the customer to understand the bank's lending process, and at the same time to enable the bank to understand the customer's business situation;
3, Enhance the mutual trust between the bank and the customer a new way of lending;
4, the basic information public service content, improve the service facilities;
5, the establishment of the duty system, the hiring of social supervisors;
6, the establishment of the building of rules and regulations to penalize the mechanism of the report reward mechanism.
Sunshine credit anyone know credible?
No
There are 3 main impacts of chanting late:
1.Functional limitation: the chanting function will be directly restricted to be unable to use after chanting late, and whether it can be restored after subsequent repayment will be assessed by the system from time to time and manual intervention is impossible.
2. The negative record: the corresponding negative record will be reported to Sesame Credit, affecting the Sesame Score.
3. Late interest: Late repayment will incur a late fee of 0.05% of the overdue principal amount for the number of days overdue
4Users are unable to sign up for a contract or make a payment after 7 days of late repayment on the TMall Stores. The same is true of the other 7 days after the user's overdue payment, the installment purchase also fails to pay (installment purchase is not independently contracted). The user's overdue amount of repayment after the return to normal.
After the user's Tmall installment or Ant Chanting is overdue for 30 days, all products can not be contracted or paid for use, and permanently unable to use Ant Chanting, Tmall installment and other consumer credit products. There is no impact on your bank card and ID card.
5. But as long as you have money in your bound card, it will be deducted immediately.
6. The late record of chanting will be reported to Sesame Credit, which will affect the Sesame Score, and may subsequently affect the use of the chanting function, so please pay back on time. The company's newest product, the "Brighton", is a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton", a new generation of the "Brighton" and a new generation of the "Brighton", a new generation of the "Brighton".
8. The use of electronic payment should pay attention to the protection of personal information, electronic devices regularly anti-virus, in order to prevent the leakage of information caused by the loss of property.
9. but the chanting is also on the credit pro, if in the case of sufficient funds can pay it back oh
10. paypal ants chanting not repayment, first of all, of course, your personal credit rating will be down, each financial system has a credit rating system, once the agency recognized that there is a non-payment behavior, the individual's credit in the system will be downgraded.
10. the first thing is to pay the money back to the bank, the bank will not pay back the money back to the bank. The first way is through the "Alipay" interface, in the "personal Alipay" interface, click on the "Ant Chanting" section of the "view" button. Click on the "View" button in the "Chants" section. From the open "Ant Chanting" interface, you can see the "download the number of repayment", click "repayment" button can be through the account balance, balance treasure and debit card fast repayment! The following is a list of some of the most important things you can do for your business.
11. The second way: through the "Alipay" wallet sweep function, pay attention to the "ant flower chanting", realize the repayment operation.
12. The third way: automatic deduction. The first is to deposit the full amount of repayment funds into the "Alipay account balance", "balance treasure" and "debit card", when the shopper receives the goods before the 10th of the next month, it will be automatically sequentially from the The payment will be automatically deducted from these accounts by the 10th day of the month following the receipt of the item.
Sunshine loans are fraudulent
Yes, the interest rate of the loan is very high, several times the bank, and a variety of deduction of the set of more than one, is not the appearance of a formal lending platform, it is recommended that you loan or look for a formal lending platform, you can also go to the bank loan, so that your personal rights and interests are protected, such as the China Merchants Bank have Carry out lightning loan business, currently only can apply through mobile banking, or check whether to obtain the qualification to apply. If you have a savings card from China Merchants Bank, you can log in to the cell phone bank and enter the application page at "My→All→My Loans→My Lightning Loans". The maximum loan amount is 300,000 yuan, the minimum is 1,000 yuan; your specific amount will be approved according to your business in China Merchants Bank, you can view the successful application.
Regular borrowing platform inventory:
1, Baidu money flower
Download Baidu money flower app is a financial product from Baidu wallet, app to personal consumption finance, consumer loan scenarios are mainly for those who need to participate in a variety of training at their own expense in order to improve their own skills, in the education credit business launched a remote remote off-site pre-loan service for the Users across the country who have the will to receive education to provide high-quality, assured loan services to help more people realize their self-worth. To provide you with convenient, fast and assured lending services, you only need to fill in the identity information, submit the materials and then 30 seconds to get the borrowing amount, the amount can be up to 200,000 yuan. To borrow money at any time, early repayment without default, you can flexibly choose to repay in installments
2, Alipay Chanting
Download the latest version of the official Alipay is the largest mobile payment platform in China with the largest number of users, not only the balance of the treasure, but also has a credit card, money transfers, payments, receipts, payments and other functions, so you can bring your phone on the country to spend money on any one of the stores, and now has some overseas countries also support Alipay.
3, Rong360 (former 360 debit)
Download Rong360 is a financial authority expert you carry with you, China's top-ranked financial vertical search service platform, bringing you a full range of accurate financial services programs, quickly apply for loans, overdraft cards, shopping for investment and wealth management products, query the bank's personal credit report, the neighborhood bank. The use of Internet big data, search and other technicalities, so that the financial products of thousands of financial institutions can be visualized in front of the eyes of customers. At this stage, we have cooperated with nearly 10,000 financial institutions, including 30,000 financial products. The release of the "sky machine" Internet big data risk control - according to data analysis, the system software will be based on identity verification, intention to repay the loan and the ability to repay the loan of three major levels, to apply for loans to the customer scoring, according to the score to the cooperation platform to show the loan proposal.