Shanghai Pudong Development Bank is a consumer loan product recently launched by Shanghai Pudong Development Bank. Some friends want to apply for Shanghai Pudong Development Bank, but I don't know if it is reliable, so is it reliable? Let's learn about the product background and related product information of Pufa Fabai first!

1. In general, judge whether a loan platform is reliable. We can judge the regularity of the loan platform from the following aspects: whether the lender is qualified to lend, whether the interest meets the legal requirements, whether the loan requirements are too loose, and whether it is connected to the central bank's credit information system. The product details of PUFA Fabai are as follows.

2. Product background. Shanghai Pudong Development Bank is an exclusive loan service provided by Shanghai Pudong Development Bank for borrowers who have already issued loans. It integrates "loan credit line+second-class households+consumer payment" and applies through Shanghai Pudong Development Bank's mobile banking.

3. Details of the loan. The cumulative daily payment limit of Shanghai Pudong Development Bank is 6,543,800 yuan, the annual cumulative limit is 200,000 yuan, and the loan period is 3 months or 6 months. The loan interest rate is calculated and implemented according to the loan market quotation rate (LPR) of 1 year (term) published by the National Interbank Funding Center one day before the actual loan issuance date, and the loan issuance rate is agreed with the borrower.

4. Application conditions. Shanghai Pudong Development Bank is open to customers aged between 18 and 60, with China nationality and no bad credit history. In addition, Shanghai Pudong Development Bank does not provide consumer installment loan services to students at school, and students at school do not apply.

5. Credit information. Shanghai Pudong Development Bank has fulfilled its reporting obligations in strict accordance with the China People's Bank Credit Information Management Standard, and the loan and repayment records will be reflected in the China People's Bank Credit Information Report. Borrowers are advised to repay on time, so as not to affect personal credit information.

The above is the introduction of popularizing law and understanding white, I hope it will help you.

Is Shanghai Pudong Development Bank divided into stages?

No, Shanghai Pudong Development Bank is the largest joint-stock commercial bank in China. Its main businesses include deposits, loans, credit management, foreign exchange, funds, insurance and investment banking. Its products and services include: online banking, mobile banking, credit cards, wealth management products, bank cards, investment and wealth management, funds, foreign exchange, precious metals, insurance and loans. Flower staging is a service of Ant Financial Services, and it is a consumer staging product launched by Ant Financial Services. Allow users to pay large consumption in installments with a small payment amount to meet users' consumption needs.

What is law popularization and law white?

Fabai is a credit business launched by Shanghai Pudong Development Bank. Specifically, Shanghai Pudong Development Bank provides customers with a credit line, which will be loaded into the bank's exclusive Class II account, and customers can spend the credit line through Internet consumption payment within the validity period of the credit line.

However, the letter of credit issued is valid for three months, and the amount due will be invalid and cannot be used again. The loan term can be three months or half a year. As for the loan interest rate, it shall be implemented according to the 1 year LPR and floating point published by the National Interbank Funding Center at the end of the day before the actual loan issuance date.

If customers want to apply for payment, they need to log in to the mobile banking client of Shanghai Pudong Development Bank, click "Borrow Money" on the home page, find "Payment" and click the "Apply" button below. As long as the customer's age is between 18 and 60; And personal credit should be good, and there is no bad credit record on credit investigation; And it cannot be an employee or related person of Shanghai Pudong Development Bank.

How to use the loan issued by Shanghai Pudong Development Bank?

The loan of Shanghai Pudong Development Bank is used as follows:

1. After the application, the user will get a second-class electronic account of Shanghai Pudong Development Bank, and then bind the account with fast payment software such as Alipay, WeChat and Xiaopu Payment. When scanning code for payment or online shopping, you can use the amount in this account for payment. The quota of Shanghai Pudong Development Bank is repaid with the loan, with daily interest, without interest, and supports advance planning.

2. Pufa Fabai, when used, the single consumption must be above 10 yuan (single Internet payment), and the daily cumulative use limit is 1 1,000 yuan, and the annual cumulative use limit is 200,000 yuan. However, you can't use Pufa Fabai for Internet payment from 22: 00 (including the hour) to 2: 00 (including the hour) every day.

3. After the use of PUFA Fabai, it must be repaid in accordance with the regulations, and there can be no overdue situation, because after the overdue, the bank will collect it, and the overdue record will be uploaded to the credit information center, which will affect the subsequent re-application of various loans, such as car loans or mortgages.

Shanghai Pudong Development Bank has different credit lines for different users when applying. The maximum credit line does not exceed 50,000 yuan, and the validity period is three months. It is worth noting that Shanghai Pudong Development Bank does not support cash withdrawal or transfer, but the reserve account of Shanghai Pudong Development Bank is opened by default when it is opened. Cash can be withdrawn, transferred and recharged through this account.

Pufa Fabai needs to open an exclusive account of Pufa before use, and the credit line is based on the exclusive account, which is bound to the payment terminals of consumer spending, such as Alipay and WeChat. Distribution can only be used for consumption, not cash withdrawal and transfer, and there are restrictions on the amount and time of use.

Can Pudong Bai Hua Loan be Recovered?

Users can recycle the credit line. As long as it is within the validity period, it supports recycling. At the same time, in the process of use, users can borrow and return. Because interest is calculated on a daily basis, interest can be calculated as long as it is used. If there is no demand from users in the later period, they can also repay in advance. Pudong Garden can reach a maximum of 50,000 yuan. After obtaining the credit line, users can open the exclusive account of Pudong Flower Garden online, and then bind Alipay, WeChat or Xiaopu to pay for consumption, and the consumption line can be paid in installments. It should be noted that the credit line only supports users' daily consumption and cannot be withdrawn or transferred. Otherwise, once the risk control of Shanghai Pudong Development Bank is triggered, it will have a negative impact on the use of the quota. Moreover, the daily cumulative consumption limit of the exclusive account of Shanghai Pudong Development Bank is 6.5438+0 million yuan, and the annual cumulative limit is 200,000 yuan.