Users usually recommend flexible repayment packages before applying for loans, and all of them need to charge a certain service fee. Gitzo's products charge 15 yuan/month. After purchase, Gitzo can enjoy three services: deferred repayment, changing repayment date and preferential early repayment. The product of instant financial management charges 20 yuan/month. After purchase, the user can delay repayment 1 to 2 months, and the prepayment fee can be reduced if applying for prepayment. 200 yuan.
If a customer has purchased a flexible guarantee service package and suddenly encounters financial difficulties, it is expected that he will not be able to repay the loan in full and on time. The customer can call Gitzo in advance according to the corresponding service usage guide to apply for using the deferred repayment service, and delay the repayment for a certain number of days without adding any extra fees or affecting the customer's credit history. Customers can use this service in the month when funds are particularly tight, which can reduce their economic pressure.
Extended data:
Matters needing attention in Gitzo cash loan:
1. Pay attention to loan interest, service fee, repayment period and other information. Usually, the lower the down payment, the longer the loan term, and the corresponding interest and service fees will be higher.
2. Pay attention to whether there are liquidated damages on the latest repayment date and early repayment, and consumers may encounter the problem that the payday is not fixed.
3. Ask the loan service provider to provide the contract and relevant written documents.
4. Consumers should provide true personal information and materials, don't lend their ID cards to others for loans, and can't trust others to help others with loans.
5. In case of emergency during repayment, you can keep in touch with the service provider through customer service, or communicate with the service provider through official channels such as Weibo and WeChat.
Baidu Baike-Gitzo Consumer Finance Co., Ltd.
Gitzo Consumer Finance official website-Flexible Security Service Package
What is the annual interest of Gitzo loan?
1, Gitzo loan interest is divided into two types, one is cash loan, with a monthly interest of 1.75%, and there is a management fee of about 1.5% and a service fee of about 0.4%. So the annual interest rate is around 25%
2. There are commodity loans. When purchasing goods, pay a certain down payment, which is 20% of the loan principal, and then pay the interest on the remaining amount. The interest depends on the quantity of goods to be phased, and the repayment method adopts equal principal and interest.
3. Gitzo's cash loan has an annual interest rate as high as 30%. As far as I know, Gitzo's cash loan interest rate is generally 0.58%, which is selected on a weekly basis. In addition to the normal loan interest, it also includes monthly service fee and customer service fee. The monthly service rate is 0.78%, and the customer service rate is 1.58%. Take Gitzo cash loan with one year 1 10,000 yuan as an example. After the loan expires, the interest is more than 4000 yuan. This is much higher than the bank's cash loan, and Gitzo's cash loan interest is comparable to usury.
For more information on how to calculate the annual interest rate of Gitzo loan, please visit: See More.
How to calculate the interest of Gitzo loan?
; ? Loan is a way to obtain funds at a certain interest rate. Each product has a different expected annualized interest rate and calculation method. What is the interest rate of Gitzo cash loan? How to calculate?
Gitzo cash loan fee calculation method:
Monthly loan interest = remaining loan principal * monthly expected annualized loan interest rate.
Monthly guarantee fee = total loan amount * monthly guarantee rate
Monthly service fee = total loan amount * monthly service rate
Monthly repayment amount = monthly payable principal+monthly loan interest+monthly guarantee fee+monthly service fee.
The charging standard of Gitzo Cash Loan is as follows: (For details, please refer to the expected annualized interest rate pfd document of official website Download Product).