It is not recommended to apply for credit information, and fingertip sunshine still has certain requirements for customers; Generally, the number of inquiries within half a year cannot exceed 8- 10, including loan approval, credit card approval and pre-insurance review. In addition to the number of inquiries, there are also requirements for credit liabilities and credit card usage. In addition, applying for fingertip sunshine also requires customers to have a stable source of income, including houses, cars, insurance policies, provident funds, social security, licenses and so on. In short, it is not recommended that you apply when your credit information is used up, so as not to waste your credit information again.
Fingertip Sunshine Loan is not a loan business of China Everbright Bank. Fingertip Sunshine Loan is a loan business of Sunshine Insurance Company, but its financial institution is China Everbright Bank. Simply put, Fingertip Sunshine Loan is a loan business jointly launched by Sunshine Insurance and China Everbright Bank. After the deadline, users will encounter SMS and telephone collection of Sunshine Insurance, and only timely repayment can avoid such collection.
Fingertip Sunshine Loan is a loan business jointly launched by Sunshine Insurance and China Everbright Bank. Sunshine Insurance was established with the approval of China Insurance Regulatory Commission, and it is one of the seven largest insurance companies in China. China Everbright Bank was established in August, 1992. It is a national joint-stock commercial bank and an AH listed enterprise. Therefore, from the background, fingertip sunshine credit is formal.
Materials provided by Fingertip Sunshine Loan: You need to fill in your own identity information, and you need your mobile phone number for login or verification. To borrow money on the online lending platform, we must first ensure that the mobile phone number used is authenticated by my real name. When choosing a loan platform, you need to pay attention to: determine the scale and duration of the loan, as well as the purpose, and screen the most suitable loan platform. The most important thing is to keep the interest rate as low as possible, because the loan interest rate is directly related to the borrower's economic interests. If the interest rate is too high, it is not worthwhile.
If loans overdue repays, the consequences will be:
1. If the loan is used for credit investigation, whether the overdue repayment is short or long, it will have an impact on personal credit investigation. If some banks have strict requirements on loan repayment, even if it is only one day overdue, banks will record the overdue records in the central bank's credit information system. Once the overdue records enter the credit information system, it will have a serious impact on subsequent credit card applications and loans.
2. Overdue repayment may violate the loan contract and may be sued by the loan bank for a long time.
Is fingertip sunshine loan reliable?
Hello, is fingertip sunshine loan reliable?
Fingertip Sunshine Loan app is a very professional and practical mobile phone loan financing application. This software only needs to fill in your identity information, and it can give you money in a few minutes, which can solve your urgent needs. The loan amount is also humanized, with low interest and no handling fee. Your personal information, loan demand and thousands of loan products will be intelligently matched through big data to create a loan plan that suits you.
: 1. What is a loan?
Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second: the principle of loan.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, issuing long-term loans, the interest rate is higher than short-term loans, and the benefits are good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three characteristics" should be harmonious, so that the loan will not go wrong.
Three: the repayment method of the loan
(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) average capital repayment method: The borrower distributes the loan amount to each installment (month) in the whole 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;
Is fingertip loan really a loan?
This kind of online loan can be used for loans, but it is not recommended to borrow money on such platforms. It is necessary to handle loan business with formal financial institutions such as banks, just in case.
Criminals of online loan fraud all take advantage of the psychology that borrowers don't understand the loan procedures and are eager to use money. Usually in the name of collecting deposit, transferring money to brush water, transferring money to brush credit, qualified packaging fee, spending money to eliminate credit stain, etc., the ultimate goal is to ask the borrower to transfer the money in the bank card to his account.
It is best to go to major banks for loans, or choose a formal and qualified loan platform. If you come into contact with the loan platform through SMS, telephone, Internet, etc., you should pay more attention in the process of handling. Remember that anyone who needs to collect deposits and handling fees in advance, or needs to transfer money to a designated bank card for credit extension, may be a scam.
Be sure to keep the bank card password, dynamic verification code, mobile phone verification code and other information, and don't tell strangers easily, beware of scams.
Extended data:
Online lending should pay attention to the following issues:
1. The business license name of a regular loan company must contain the word "loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, formal loan companies "only lend but not save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.
Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the process of actual lending, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.
3. Regular loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance under various excuses such as "deposit", handling fee and deposit when applying for loans.