Holding by Chang 'an Bank Co., Ltd., a national non-bank financial institution jointly initiated by Huitong Xincheng Leasing Co., Ltd. and Beijing Yide Sean Investment Co., Ltd., with a registered capital of 360 million yuan and headquartered in Xi 'an.
The company's business mainly relies on shareholder resources, commercial retail institutions, self-operated outlets and the Internet, giving play to the characteristics of "small single amount, fast approval speed and flexible service mode", providing flexible credit products and rapid market entry, and providing consumer finance needs for low-and middle-income customers with stable income, with the maximum loan amount not exceeding 200,000 yuan.
Policy loan is a common loan method in the financial industry. You can use the insurance policy in your hand to get the quota and repay it on time. In addition to banks, some consumer finance companies also have policy loans. Today, let's learn how to apply for a loan for Yin Chang's consumer finance policy. I. Conditions for applying for policy loans
1. Age meets the requirements. Non-college students aged between 18 (inclusive) and 60 (inclusive) should graduate a few years later, so that their jobs will be more stable and the passing rate will be higher.
2. Credit history. Although the policy loan is a pledged loan product, Yin Chang Finance will also check the credit information. If it is a long-term overdue user with frequent records, the success rate of application will be affected to some extent.
3. The customer holds a life insurance policy under certain conditions and has the right to surrender. It is the insurance under his own name, which can be the policy purchased by his family for himself, but he cannot borrow money with other people's policies.
4. Work and income. The nature of the borrower's work and the unit are also very important. The more stable the job, the higher the success rate, and the bank flow can also affect the audit to a certain extent.
Second, the policy loan application method
1. First make sure that you meet the application conditions for policy loans, and then find this product in Yin Chang Consumer Finance official website;
2. Click on the intention to fill in, leave your own detailed information and submit it;
3. Yin Chang Consumer Customer Service will review it in the background, then call you to ask for relevant details, and then specify the corresponding store to handle the handling fee;
4. After approval, the next payment can be made, and the arrival time is related to the bank. If you can't receive it for a long time, you can contact customer service;
According to the loan plan, it is enough to repay each installment. At present, Yin Chang supports repayment methods such as matching principal and interest, average capital, repayment of principal and interest on schedule, and one-time repayment of principal and interest.
To sum up, Yin Chang consumer finance policy loans are relatively easy to apply for, and the application threshold is relatively low. Compared with bank policy loans, the procedures are simpler. There is a lot less online submission and offline signing in the process. If necessary, you can call customer service first to understand the specific operation content.