There are basically two repayment methods, equal principal repayment and equal principal and interest repayment. Matching principal and interest repayment: that is, according to the loan amount, interest and loan time. I'll calculate it for you and pay it back as required every month. Suitable for people with stable income, monthly deposit repayment: repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Suitable for faster repayment, if the repayment is fast, the interest to be paid later will be less and less (interest will still be paid every month). In addition to these, there are similar loan companies. There is such a model: deduct the interest you need to pay in the future at one time. Later, I was concerned about which interest rate was low.
2. What are the credit loan companies?
At present, China Merchants Bank has credit loans, which can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk consumption shopping, tourism, etc. , and cannot be used for buying a house). You need to provide proof of use when applying, because the collateral review is strict.
If you are already a user of China Merchants Bank and downloaded the China Merchants Bank Mobile Banking APP, you can log in to the mobile banking and home loan operation interface to see if there are any products suitable for you. In addition, mobile banking-my one-card-loan management, you can also see if you can handle it.
3. What platforms are there for credit loans?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, which is highly supported by Baidu brand background and technology.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
4. What are the regular credit companies?
In addition to banks, only licensed platforms are generally more formal, such as Ping An Pratt & Whitney, Qianhua, Pleasant Loan, installment as scheduled, 2345 loan king, building blocks and so on.