The loan amount is not very large, mainly depending on everyone's comprehensive credit score. Because students mainly apply, the loan amount is generally within 1 10,000 yuan.
The loan interest rate is relatively favorable, 1 installment repayment is free, with the repayment rate of 0.80% for the third installment and 0.75% for the sixth installment and above. Overdue payment, the daily interest rate of 0.75‰ shall be charged as late payment fee.
At present, the loan term is divided into 1, 3, 6 and other stages. Everyone can choose freely according to their own needs.
Application conditions
1) Student: 17 years old or above. Students with full-time college education or above can be found in Xue Xin. com。 In addition, the age of freshmen and college freshmen should be between 17-20 years old, and the age of freshmen should be between 20-24 years old.
2) Office workers: working-class people aged between 23 and 40, with full-time college education or above, who can be found in Xue Xin. com。
3) It is suggested that students score more than 600 points for sesame seeds and office workers score more than 666 points for sesame seeds;
4) Currently, applications are not supported: Xinjiang, Gansu, Inner Mongolia, Qinghai, Ningxia and Tibet.
Application process
1. Install Qihua APP on your mobile phone, or pay attention to Qihua WeChat official account;
2. Improve personal information online and wait for system review;
3. After the data is approved, wait for the phone call back;
4. After the telephone call back, everyone can get points. Operating environment (Huawei P40, EMUL110.0 system, WeChat version: 8.0. 16)
Zero Flower is an Internet financial product jointly created by China Merchants Bank and China Unicom, which provides micro-loan services for college students and young white-collar workers. After users submit application materials, they will be given a certain amount after piecemeal comprehensive evaluation, which can be used for a variety of consumer services: installment consumption, pocket money and so on.
Installment consumption refers to the in-depth cooperation between retail flowers and well-known enterprises such as JD.COM, 1 Store, China Unicom and Lenovo, and the launch of retail flower installment shopping service. Users can buy self-operated goods, Unicom contract machines, Lenovo notebooks, etc. Pay in installments from JD.COM or Store 1 by using the consumption quota on the retail APP.
As for "pocket money", users can directly withdraw cash from their personal debit cards or credit cards in the pocket money function. The maximum withdrawal amount is related to personal credit information, but it will not exceed the total consumption. At present, there are two ways to borrow pocket money and cash in installments, and the amount is 100- 10000.