One, the medical loans belong to the consumer use of the loan, so for the medical loans are available to banks or licensed financial institutions, really not too much understanding of this aspect of the loan, it is recommended to look for professionals to assist in the bank loan. At present, the various medical beauty industry is very hot, around a lot of medical beauty industry partners, small red book can often brush many medical beauty blogger. Medical beauty program is so hot nowadays, in addition to the modern people more and more love beauty, but also because the medical beauty industry is really profiteering, a small eye surgery can easily be tens of thousands of oceans.
Two, medical beauty loan high interest sets, installment interest rate does not match the actual interest rate, the actual interest rate is as high as 30% or more As early as 2019, the CBRC has made a requirement for the annualized interest rate ceiling of consumer loans to prohibit all kinds of sets of loans, so compared to the past, the installment interest rate of the medical beauty industry has become lower, but if you carefully calculate it, it is still at a fairly high level. According to insiders in the consumer finance industry, the IRR (internal rate of return) of a typical medical beauty installment is around 30%, which can be interpreted as the interest rate is 30%. According to New Oxygen big data statistics, the average age of Chinese medical beauty consumers in 2019 is 24.45 years old, and consumers aged 18-25 years old accounted for 54.05%, from this set of data can be seen that the majority of young people doing medical beauty, most of them belong to the newcomers of the society, and they do not have too much financial strength yet.
Three, for young people with weak repayment ability, the 30% interest rate is already pure usury, 14.6% higher than the highest private lending rate of 15.4% stipulated by the Supreme Law. Not only that, once the lender is late, they will also be charged a very high processing fee. For example, a medical installment platform, the late fee will be charged according to the "current due amount × 3% × the number of days overdue, if there is a 4,000 installment can not pay, 20 days overdue to pay 2,400 yuan, which has reached more than half of the loan amount.
And, the overdue medical installment platform will also affect the credit record. As we all know, credit is quite important to each of us, when buying a car or a house for a loan, as long as the bank audits that there are multiple small loans or a dark history of overdue, it may refuse to lend or lend less. This is not the worst, in case the surgery is unsatisfactory after the medical beauty, it is equivalent to both the body and money, every repayment will remind people of this sadness, is really bad! Therefore, medical beauty loans should be careful, if the economic conditions allow then it is best not to go to the loan, really want to go to do medical beauty, it is best to save up their own money to do. In their own financial resources outside the project, do not do it first.