Zijin Express e-loan bears interest on a daily basis, with a maximum amount of 300,000 yuan and an average interest rate of 5.8%, which can largely meet customers' short, flat and fast consumption expenses such as decoration, consumption and tourism. Eligible users can complete the operation from loan application to loan issuance within 3 minutes without providing additional supporting materials.

Zijin Yuntong e-loan takes mobile banking as the main entrance for users to apply for loans, and innovates the background automatic early warning mechanism, which eliminates the manual post-loan management of account managers in traditional credit business, reduces the workload of account managers and greatly enhances the market driving force of products. At the same time, integrate the data of third-party institutions and anti-fraud systems, refer to the real-name authentication data of users such as third-party credit information and communication, enrich the risk control scoring model in multiple dimensions, and strengthen loan risk screening.

Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows:

① Six-month (inclusive) short-term loan 6.10%;

② 6.56% from half a year to one year (inclusive);

③ One to three years (inclusive) 6.65%;

④ Three to five years (inclusive) 6.90%;

⑤ More than five years and 7.05%.

(2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate.

Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for five years and above is 7.05%*0.85=5.9925%.

Conditions for applying for small loans:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Microfinance processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.