1. First of all, loan is a double-edged sword. There is no special requirement for capital turnover, so use it carefully.
2. Industrial consumption finance is not a product of banks, but a product of financial institutions. The major shareholder is a company established by Industrial Bank and other investors. Real estate plus punch card salary, social security (or provident fund) real estate plus business license plus tap water. In the loan financing circle, it is a very advantageous financial product. There are many questions. You can communicate and get a loan. In terms of interest, the matching principal and interest is about 8%- 1 cent. The annualized interest rate is between 13.2 and 22.8. 3. Choose the loan carefully according to your own needs.
1. Xingye Consumer Finance Co., Ltd. is a joint-stock company and insurance regulatory commission established in Quanzhou with the approval of the Reply of Fujian Banking Regulatory Bureau on the Establishment of Industrial Consumer Finance Co., Ltd. Industrial Consumer Finance was initiated and established by Industrial Bank Co., Ltd., Fujian Quanzhou Commercial Group Company, Xtep (China) Co., Ltd. and Fucheng (China) Co., Ltd. on February 20 14. Company development orientation: Xingye Consumer Finance is committed to becoming a leader in consumer finance and an innovator in inclusive finance, constantly deepening the integration of traditional experience and emerging technologies, building the core competitiveness of financial technology through customer acquisition, risk control and operation, and leading the industry in service quality and efficiency.
2. Generally speaking, what are the characteristics of formal online lending: (1) loan threshold. Generally, regular online loans have a relatively complete risk control system, which requires the lender's age and credit history. Those who claim not to check credit only need ID cards, and click in to fill in all kinds of personal information and contact information, which are basically irregular.
(2) Interest level. According to the contract law, the annual interest rate of the loan is less than 24%, which is protected by law; The annual interest rate is between 24% and 36%, and both parties can freely agree; If the annual interest rate exceeds 36%, it is not protected by law. Therefore, we must look at our own loan amount and total repayment, and calculate whether the annual interest rate meets the national regulations. ) charge. Generally speaking, formal loans only have interest expenses, and there will be penalty interest if they are overdue. If the moth asks for various fees before lending, such as handling fee, beheading interest, deposit and security deposit, don't believe it. Otherwise, once the money is paid, it will be difficult to get it back.