2. Rongyihua is essentially a small loan. The loan amount is between 1000- 10000 yuan, the term is between 7- 15 days, and the daily interest rate is 0.02%. The specific amount and loan term will be considered according to the lender's personal qualification and property certificate. The better the personal qualifications, the more useful materials are provided, and the easier it is to obtain high quotas and long-term, and vice versa. Rongyihua is newly opened in the APP of Rong360, which belongs to unsecured credit loan. It continues the super-fast lending speed and extremely simplified application process of Rong 360 series loan products. Fill in the information in 5 minutes, 1 hour, and the first application amount can reach 5000. The most important thing is that the application threshold is not high. Not only is there no telephone audit, but even if there is an overdue credit record, it can be saved. Therefore, Rongyihua Loan app is not reliable, because the annualized interest of this online loan product is very high, and the personal information of these users has also been leaked, so it is not reliable.

3. If the user is in loans overdue, the overdue fee of the informal online lending platform is not low. Therefore, some companies will not remind you when they see that you are overdue. The platform thinks that it is better to call the borrower for another one. Collect principal and overdue interest. The police also reminded everyone that if citizens need loans, they must go through formal platforms such as banks. Don't believe the liar's lie of "unsecured quick loans".

Users should prevent being cheated by online loans, and pay attention to the following points:

1) Don't take chances, don't trust online loan information, don't trust interest-free low-interest loans, and choose formal national financial institutions to handle loans;

2) Don't transfer money to any unknown unit or individual. Remittance verification and charging before lending are fraud. If the other party requests to pay the deposit and other expenses in advance, be sure to be vigilant;

3) Don't take advantage of petty gain, there will be no pie in the sky. Low-threshold lending is bait. If you encounter low-interest and interest-free loans, you should go to a formal financial institution for consultation and verification;

4) Don't delete relevant evidence such as transfer records and chat records. If you find that you have been cheated, you should call the police in time and actively cooperate with the public security organs in handling the case. Online lending involves password payment for mobile phone services. It only involves ID cards, so simply fill in an assignment. The next payment requires a handling fee and a bank card to verify that the money is a liar.

2. When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:

1) Personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2) Provide proof of stable income source: bank flow sheet, labor contract, etc.

3) Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other related certificates;

(4) Other information stipulated by the bank.