1. You can choose to enjoy the loan in three, six, nine, 12, 24 and 36 installments. Easy Loan is divided into three periods, six periods, 12 period and 24 periods (the number of optional periods is determined by the system, subject to the page display).
2. After the installment, if the user wants to repay in advance, he can also choose to apply for partial repayment in advance or full settlement. Just log in to the homepage of Youhuahua APP, click "Loan to be repaid", select the loan to be repaid, and then make partial repayment or settle in advance according to the page prompts.
Introduction to Microfinance:
1. Review risks. The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
2. Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
3. As a leading consumer credit information service enterprise in China, Li Rong. Com is the only enterprise in China that has launched MBA student loan program. The bridge loan for MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum.
Loan terms with money to spend
Qianhua is a credit service brand under Xiaoman Finance, and big brands are trustworthy. The application conditions for rich flowers are very clear, which are divided into two parts: age requirements and information requirements.
1, age requirement: 18-55 years old, and cannot be a student at school.
2. Information requirements: You need to provide your original second-generation ID card and your debit card during the application process. The application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. : repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Is it reliable to borrow money? Is the interest high?
Qianhua is a credit service brand under Xiaoman Finance (formerly Baidu Finance). The interest rate of big brands is low. The interest rate of money is determined by the system according to the comprehensive situation of users, and the lowest is 0.02%, which is subject to the display on the App homepage after the quota application is successful. The following are the interest calculation methods of the main products of the rich flower.
1, All Easy Loan
The maximum amount is 200,000, which can be divided into 24 periods at the longest. The interest is calculated as residual principal × interest rate× actual borrowing days, and the daily interest rate is subject to the display on the homepage of Iman Loan. For example, if you borrow 3,000 yuan, the loan period is 3 installments, and your daily interest rate is 20,000 yuan, the first installment will generate 0.6 yuan interest every day; After paying off the first installment, the remaining principal is 2,000 yuan, and 0.4 yuan interest will be generated every day; And so on.
2. Enjoy the loan.
The maximum amount is 300,000, which can be divided into 36 periods at the longest. The loan interest of privileged loans is calculated as follows: residual principal × interest rate × actual loan days; The daily interest rate is subject to the product page display. For example, if you borrow 36,000 yuan, the loan term is 12, and your daily interest rate is15,000 yuan. In the first installment, you will earn 18 yuan interest every day. After paying off the first installment, the remaining principal is 33,000 yuan, and interest will be generated every day 16.5 yuan, and so on.
Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.
Is spending money a formal lending platform?
Money is spent by regular companies, and Xiaoman Finance is the original Baidu Finance. 2065438+In April 2008, Baidu Finance completed the signing of the split financing agreement and launched a brand-new Xiaoman Finance. Du Xiaoman Finance has deep cooperation with many banks and other financial institutions, and is committed to providing users with reliable and reliable financial services. Its main products and services are Money Spend, Xiaoman Finance (formerly Baidu Finance) and Xiaoman Finance (formerly Baidu Wallet).
1, "Youhuahua" is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance) (formerly Baidu Youhuahua, renamed as "Youhuahua" on June 20 18). The brand is trustworthy and the interest rate is low. Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Youhuahua provides personal consumer credit services for the public, creates an innovative consumer credit model, inherits Baidu's technical genes, and uses artificial intelligence and big data risk control technology to bring users convenient, fast and safe Internet credit services.